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5 Painless Ways To Be Frugal Without Being Cheap

how to be frugal without cheap

Frugal means to be prudently saving or sparing; not wasteful according to Dictionary.com. Being frugal has been a way of life for many. Before I came to the understanding of what frugal actually mean, I was already practicing it without noticing. A misconception people have on this topic is that people who are frugal are […]

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How To Create A Zero-Based Budget?

zero-based budget dave ramsey

Have you ever found yourself in a situation where you’re short on funds and have no idea what you spent your money on? Failing to manage your money leads to overspending and acquiring more debt. This is where the zero-based budgeting comes in, which is also recommended by Dave Ramsey. This budgeting method is beginner-friendly […]

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