Category: Debt Management
-
Beginner’s guide to budgeting side income and growing your extra earnings
The real point of budgeting your side income Most people start a side hustle to “have extra cash” and stop there. The problem is that без плана these extra деньги просто растворяются: немного уходит на доставку еды, немного — на такси, и через пару месяцев вы не можете ответить, куда делся весь доход. Budgeting for…
-
Starting a personal finance plan: beginner’s roadmap to money
Why a Personal Finance Plan Matters More Than Ever Money Stress vs. Money Strategy Most people don’t sit down and build a money strategy; they just react to bills, random expenses, and sudden “I deserve this” purchases. A proper personal finance plan flips that script. Instead of guessing, you know where your money goes, what…
-
Managing money and building wealth for beginners to grow a secure financial future
Why managing money feels different in 2025 Вack in the 1970s your grandparents could buy a house на одну зарплату и не знать, что такое индексный фонд. Сегодня, в 2025 году, у нас инфляция, подписки на всё подряд, крипта, инвестиционные приложения в телефоне и рынок труда, где можно за год сменить три профессии. Управлять деньгами…
-
How to build a personal budget when you don’t make much money
Why Budgeting Feels Different When Money Is Tight When you’re earning just enough to get by, a “personal budget” stops being a neat spreadsheet and turns into a survival algorithm. Every decision has a high opportunity cost: rent versus healthcare, debt versus groceries. According to the U.S. Federal Reserve’s 2023 data, about 37–40% of adults…
-
Learn personal finance by doing: a practical beginner’s guide to money skills
Why “Learning by Doing” Works Better Than Reading About Money Most people try to “fix” money by reading one more article, saving one more quote on Instagram, or buying a thick book they never finish. The problem is simple: money is a practical skill. You can’t think your way into good habits — you build…
-
Saving for retirement early: a beginner’s guide to building your future
Why Starting Early Changes Everything Saving for retirement can feel like trying to plan for another lifetime. In your 20s or early 30s it’s even worse: bills are real, retirement is abstract. But the truth is boring and powerful — the earlier you start, the less you actually need to save overall. Let’s unpack that…
-
First steps in budgeting: a beginner’s roadmap to managing your money
Why budgeting in 2025 уже не “по желанию”, а по необходимости За последние три года интерес к budgeting for beginners взлетел. По данным Google Trends, с 2022 по 2024 год запросы про бюджет выросли примерно на треть, а исследования Federal Reserve показывают: в 2022 году около 32% американцев не могли спокойно покрыть неожиданный счет в…
-
Starting a savings habit: beginner’s guide to consistent saving success
Before we dive in, quick note: you don’t need to be “good with money” to build a savings habit. You just need a simple system you can actually stick to. Let’s walk through how to start a savings plan and stick to it без сложных формул и лишней теории, но с опорой на реальные ошибки…
-
First-time budgeting: understand and manage fixed and variable expenses
Why fixed and variable expenses matter when you’re just starting When you’re dealing with personal budgeting for beginners, the biggest unlock is understanding the difference between fixed and variable expenses. Fixed costs are the predictable ones: rent, mortgage, car payment, basic insurance, subscriptions on autopay. Variable expenses flex from month to month: groceries, dining out,…
-
Beginner’s guide to personal financing: from zero to financial basics
Money From Scratch: What “Personal Financing” Really Means Personal financing sounds like something adults in suits do in offices with glass walls. In reality, it’s just the way you decide what each unit of your income does for you. Your cash can pay bills, cushion you in emergencies, fund goals, or quietly leak away on…