budgeting, finances, financial goals, spaving, spending habits

The Dangers of Spaving: What Is Spaving and 7 Ways to Avoid It

Most people strive to end bad financial habits such as debt accumulation, working without a budget, not saving, or paying bills late. These habits can ruin your financial future, but another toxic spending habit flies under the radar: spaving. Spaving is a relatively new term describing spending more to save money. Marketers use clever tactics ...

Nathan Machoka

A woman's hands holding money.

Personal Finance: Baby Steps to Simplifying Your Budget

If you thought a budget was something that corporate entities or governments apply to run their operations, this is going to be an eye-opener. A personal budget is something everyone should be implementing on top priority, regardless of whether you are a college student, a salaried employee with a family, or a business owner. If ...

Armin Auctor

Planning a budget.