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My Spare Change Stories
  • Home
  • Budgeting
  • Blogs
  • About
  • Tools
    • Savings Target Calculator
    • Emergency Fund Calculator
    • 70/20/10 Budget Calculator
    • Zero-Based Budget Calculator
    • 50/30/20 Budget Calculator

What is the 50/30/20 Budget Rule?

Personal Finance / Angie

If you poke around for budgeting tips online, the 50/30/20 rule pops up everywhere because it’s dead simple to get. […]

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Budget & Money Management

What Is Impulse Buying and How to Stop It

Personal Finance / Angie

You grab your phone for a quick scroll to unwind, spot something cute or useful, and tap “buy” before thinking

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Financial Wellness & Mindset

How Zero-Based Budgeting Works + Free Calculator

Personal Finance / Angie

Zero-based budgeting is basically giving every dollar a job before it leaves your hands. If you’ve been checking out budgeting

How Zero-Based Budgeting Works + Free Calculator Read More »

Budget & Money Management

How Do You Actually Stick to Your Budget?

Personal Finance / Angie

Sticking to a budget sounds simple until real life shows up. One minute you’re trying to manage your money, and

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Budget & Money Management

How to Budget for a Pet: Plan for Costs and Monthly Expenses

Personal Finance / Angie

Owning a pet feels like adding a tiny furry roommate who never pays rent but has strong opinions about treats. 

How to Budget for a Pet: Plan for Costs and Monthly Expenses Read More »

Budget & Money Management

27 Things I’m Not Buying in 2026

Personal Finance / Angie

Consumerism ran wild last year, fueled by endless social media scrolls, “must-have” trends, and late-night impulse clicks.  In this blog,

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Financial Wellness & Mindset

How to Save Money on Entertainment

Personal Finance / Angie

It feels like entertainment is chasing you from every corner of your phone and TV, teasing you with “don’t miss

How to Save Money on Entertainment Read More »

Saving & Building an Emergency Fund

Money-Saving Challenges in 2026: Creative & Fun Ways to Save

Personal Finance / Angie

January shows up every year with big “new era” energy, usually right after December emptied both wallets and willpower. Suddenly

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Saving & Building an Emergency Fund

12 Tips to Save on Energy Bills This Winter

Personal Finance / Angie

Winter is here, and so is the season of frosty toes and shivering mornings. Your energy bill can feel like

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Saving & Building an Emergency Fund

19 Simple Financial Resolutions for 2026

Personal Finance / Angie

It’s that time of year again when everyone starts thinking about New Year’s resolutions, and money often makes its way

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Financial Wellness & Mindset

How to Save Money on Your AC Bill Without Losing Comfort

Personal Finance / Angie

Air conditioners can feel essential on those sticky hot days, but the electricity bill often brings a quick reality check.

How to Save Money on Your AC Bill Without Losing Comfort Read More »

Saving & Building an Emergency Fund

20 Smart and Simple Tips to Reduce Your Electricity Costs

Personal Finance / Angie

Does it ever feel like your electric bill keeps climbing even though you barely use half the appliances in your

20 Smart and Simple Tips to Reduce Your Electricity Costs Read More »

Saving & Building an Emergency Fund
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