Dozens of budget management applications are available; we have selected 7 free budget templates to offer you a range that will suit all needs and all budgets. There are two types of solutions: simple budget management apps, in which it is up to you to enter your transactions, and account aggregators, which are connected to your banking establishments and synchronize transactions in, real-time.

At the time of neo-banks, accounts and payment cards (physical or virtual) are multiplying, and the Excel file is no longer on the agenda. It’s time to get started and no longer neglect cash management; a dedicated application can help improve your daily life in the long term!

Here are the seven free budget templates that can help:

Bankin’

Created in 2011, the essential Bankin’ is probably the best-known budget management app. It is an account aggregator approved by the Banque de France, specifically the ACPR (Prudential Control and Resolution Authority). Suffice to say that the data is safe when it passes between the smartphone and one of the 350 establishments compatible with the application.

Bankin’ shines, among other things, for the clarity and ergonomics of its interface, which is pleasant and easy to use. Controlling your expenses becomes almost fun. The app allows you to avoid overdrafts, put money aside for a project, and develop good habits in managing your daily budget. For this, it accompanies the user, among other things, with vivid graphics and notifications to warn of a risk of overdraft or an unusual movement. And to go even further, Bankin’ offers, even in the free version, an interactive coaching service that provides advice based on your goals.

Transactions are automatically synchronized with the bank account and classified by categories and subcategories. Another little extra from Bankin’: it is possible to transfer from account to account directly from the app, as with the management solutions specific to each establishment.

The free Bankin’ offer is more than enough for personal use, but if you want to go further, you can choose between 2 subscriptions:

Bankin’ + is at $2.49/month and allows you to create your categories, point your

operations, group accounts by project, supervise several budgets, and export transactions. Bankin’ Pro, at $8.33/month, gives you the option, in addition to all the features of Bankin’ +, of synchronizing pro accounts and programming alerts.

Lynx

The Banque de France also approves a direct competitor of Bankin, Linxo. This means that the security of your data is guaranteed at the same level as it is with the biggest banks. It is also with 320 establishments that the application is compatible. However, we regret that this impressive number does not include certain neo-banks such as Revolut, N26, Ma French Bank, bunq, etc. Linxo’s system can also be used from any computer, and transactions can be viewed on an Apple Watch.

The Linxo algorithm automatically analyzes the operations and is sorted by categories (transport, health, housing, etc.). Some entries may be incorrectly detected, so they remain in the “To be categorized” section. The budget items materialized by the categories are visualized in the form of graphs, which give an immediate and real-time overview of the distribution of expenses and cash receipts. Linxo also suggests setting goals in each category, and the app helps keep track of them on a day-to-day basis. We also find the possibility, still in the free version, of predicting the amount that it is reasonably possible to set aside monthly, depending on your usual activity.

And by opting for Linxo Premium, you can customize the name of the categories and group your bank accounts by theme (professional, personal, etc.). This formula is at $4 /month. The subscription also provides access to the multi-criteria search module (by amount, wording, category, etc.) to find all transactions, even the oldest. At the same time, the history is limited to 6 months in the free offer. Finally, the icing on the cake, the paid formula, grants a one-year warranty extension (in addition to the manufacturer’s warranty) on all purchases made from the bank card.

Budgea

Budgea Inside is a startup created in 2011 that developed Budgea, a bank account aggregator and budget manager. Even if the app is slightly outdated, it is worth

trying for its exciting advanced features and free of charge. The sober interface may seem a little austere, and however, it is, above all, without frills. It fulfills its mission: to accompany you in the follow-up of your budget.

Budgea is compatible with more than 200 institutions, including neo-banks such as Revolut or N26. The 256-bit encryption is the same as that of the banks. The basic principle is the same as that of all the apps in the same category: the display of the balance of your accounts (current and savings), your transactions, graphs, etc.

But Budgea still has some advanced features worth checking out. For example, under the balance of each of the accounts, the next scheduled transaction is indicated. It can be an automatic transfer or a direct debit (taxes, water, electricity, etc.). Another example, alert notifications do not just signal the approach of an overdraft when the balance is below a certain threshold. They can also warn if the credit goes above an amount or if a single transaction crosses a low or high limit (configurable).

The algorithm that processes your budget statistics doesn’t just present them as graphs. It also indicates your savings capacity based on expenses. It gives an estimate of the balance at the end of the month. Are you going on vacation? In seconds, you can have all your transactions displayed in dollars and the currency of your choice. But the strong point of Budgea is probably the retrieval of invoices (from 200 suppliers), which are then automatically reconciled with the corresponding transactions.

maxicompte

If you like to have control of your account book, even digital, Maxicompte is for you. It is not an aggregator; this means that there are no exchanges between your phone and your bank, so there is no risk related to the security of your transactions. However, you have the option of backing up your database.

The operation of Maxicompte is effortless: you are the one who fills in your transactions and who points them by leaving your finger pressed or by tapping twice on the corresponding line. The application analyzes the entries filed or not and can show you a forecast balance at the end of the month or 30, 60, or 180 days.

As there is no connection between the telephone and the bank, it is up to you to enter the starting balance on Maxicompte as soon as you start using it. This is

usually the bank account balance. Then, it is possible to create operations by specifying the type (card, check, direct debit, transfer), the date (pre-filled), the amount, then possibly a reference and comment.

Thanks to the multi-folder mode, Maxicompte offers certain group accounts, and the balance of each file can be consulted separately. You have the whole option of categorizing your bank movements on two levels. But the strong point of Maxicompte is the digitization of payment or withdrawal tickets. Take a picture of them from the app. It automatically transforms them into transactions after extracting the essential information: date, amount, and beneficiary.

Finally, the only restriction of the accessible version of Maxicompte is the presence of advertisements at the bottom of the screen. Other than that, all features are available. To remove these advertisements, the subscription is €2.99 for one year or €9.99 for the permanent removal of the advertisements.

1Money

Like Maxicompte, 1Money is a budget management application; it is not an account aggregator connected to banking establishments. Transactions are added and categorized (by you) into accounts, categories, and subcategories.

The accounts you create in the app can be modeled after your bank accounts or considered piggy banks. And since each account can have its currency, it can even be used to organize trips abroad or international kitties. In this case, 1Money displays the two monetary units with real-time conversion at the current exchange rate. You can also use the “savings” model to set a goal: indicate the amount you want to reach and the amount available when selecting the plan and go! Just add operations as you go.

The categories, completely configurable, are visualized in graphs that show the percentages of the budget items. But you also benefit from curves, with the daily average of expenses and income, the accumulation of the day or the week.

The categories and subcategories are among the most flexible in our selection. It is, of course, possible to personalize their name and their pictogram, but above all, to merge them, move them, change their level, and archive them. Unfortunately, the free version only offers to create a subcategory. The Premium subscription is $2.99 for three months, $5.99 for one year, or $9.99 for unlimited use to unlock this restriction. With this offer, it is also possible to create a 1Money account,

which allows connecting and accessing its transactions from any device.

Wallet

Depending on the version chosen (free or paid), the wallet goes from budget manager to bank account aggregator. Those created in the application are customizable (type, name, currency, etc.). The transaction classification system is made according to 3 levels, all of which can also be configured (name, icon, color). Thus, for each operation, we can indicate its nature (constraints, needs, desires), then a category (food and drinks, housing, etc.), and finally a subcategory (food, bar, restaurant, rent, loan, energy, insurance).

But the wallet still hides other features that will save you time. You can thus divide an entry into several different transactions with the amounts you choose. Are you afraid of being wrong? The editing interface includes a calculator! You can pick an attachment to a transaction, such as a receipt or a purchased photo. And to facilitate access to your essential information, they are all displayed from the application’s home screen.

The other strong point of the wallet is the level of detail of the reports and the multiple statistical views. Curves, graphs, forecast comparisons or comparisons with a previous period, cash flow, and balance evolution. You are left with lots of choices when controlling your budget.

And for $3.99/month or $19.99/year, the expense manager becomes a bank account aggregator. Operations are automatically synchronized with your usual establishments, which you will undoubtedly find among the 4000 compatible banks. You are no longer limited in the number of accounts (only 3 with the basic version). The graphs are even more detailed. You benefit from tools and widgets (to view your balance or create a transaction in one tap). And if you still hesitate, you can try the 1Money Premium offer for free for 14 days!

Fast Budget

The tight budget, developed by the Italian company AppFer in 2014, has been downloaded by more than one million users. And it’s not for nothing: even the free version offers exciting features. And if that’s not enough, four paid offers are available, one of which converts the already powerful app into an account aggregator connected to your banking institution—something to find your happiness, whatever your needs and your budget.

From the home screen, you have an overview of essential information at your fingertips: income/expense summary, balances, graphs, and transactions. You can compose an operation in a few seconds from a button that allows you to choose between expenses, income, or transfer. Note that the interface for creating a movement includes a calculator, a little extra!

But Fast Budget goes even further. You know that a transaction will take place, but you do not want it to be taken into account immediately in the balance? Plan it! You can even make it recurring and adjust its periodicity. A tight budget also allows you to create budgets, like digital piggy banks. After setting an amount to spend, a gauge gives you an inventory in real-time as you move.

Whether you are a cicada or an ant, whether you want to control your budget or obtain advice and assistance to meet your objectives, there is inevitably an account manager or aggregator. Whether you prefer the flexibility of your wallet or the fun side of Bankin’, let yourself be tempted and finally keep control of all your expenses! Especially since some, like Maxicompte, allow you to take advantage of all their features, even in the free version.

Average net worth (average net worth by age, average net worth, average American net worth)

The average net worth of most American families is $748,800. The median — a representative measure — is $10,000.

Average net price by age.

HEAD OF HOUSEHOLD AGE	MEDIAN NET WORTH	AVERAGE NET WORTH
35-44	$91,300	$436,200
45-54	$168,600	$833,200
55-64	$212,500	$1,175,900
65-74	$266,400	$1,217,700

As a result, do you count 401k in net worth?

All your retirement accounts are included as assets in calculating your net worth. This includes 401(k), IRAs, and taxable savings accounts.

Also, how can I be a millionaire in 5 years?

Steps to becoming a millionaire in 5 years (or less)

1. Create a vision of wealth. …
2. Develop a 90-day system to measure progress/future pace. …
3. Develop a daily routine
4. Design your environment for clarity and creativity. …
5. Focus on results.
6. Also, what net worth is considered rich?
7. What should your net worth be to be rich?

A survey was conducted on modern wealth in 2021 and found that Americans think you need an average personal net worth of $1.9 million to be considered wealthy.

Is 2 million a good net worth?

Most Americans say that to be considered “wealthy” in the United States in 2021;

you need to have a net worth of almost $2 million – $ 1.9 million, to be exact. That’s less than the $2.6 million net worth of Americans cited as the threshold for being considered wealthy in 2020, according to the 2021 Modern Wealth Survey.

How much is Justin Bieber worth?

At 27, pop singer Justin Bieber is one of the wealthiest entertainers globally, with $285 million. Celebrity Net Worth estimates his annual salary at around $80 million. Most of his money comes from music and related merchandise sales.

Can I retire with a net worth of 3 million?

A person can retire with $3,000,000.00 saved. At age 150,000.00, a person can retire with $150,000.00 generating $150,000.00 per year for the rest of their life. At age 65, a person can retire with $3 million generating $169,950.00 per year for the rest of their life.

How do you get wealthy when you are poor?

If you want to get rich, here are seven “habits of poverty” that handcuff people to a low-income life:

Plan and set goals. Rich people set goals. …

Don’t spend too much. …

Create multiple streams of income. …

Read and educate yourself. …

Avoid toxic relationships. …

Don’t engage in negative self-talk. …

Live a healthy life.

How do you become rich overnight?

It won’t just happen overnight, but over time; you’re almost guaranteed to get rich by following these systems:

Control your expenses.

Get your mindset in the right frame of mind.

Commit to the long term.

Pay off (and avoid) your debts.

Set clear and achievable goals.

Start investing as soon as possible.

Keep learning.

Increase your income.

Can I get rich in stocks?

Investing in the stock marketplace is one of the most innovative and effective ways to build lifetime wealth. With the right strategy, it’s entirely possible to become a fast stock market millionaire or a multi-millionaire, and you do not have to be rich to begin. Such investing is less risky than you think.

What salary is the upper class?

For a family of three members, this ranges from $40,100 to $120,400 for incomes of 2018 in a recent Pew study.

What is a middle-class income?

INCOME GROUP REVENUES

Bourgeoisie $32,048 – $53,413

Middle class $53,413 – $106,827

Upper middle class $106,827 – $373,894

Can you withdraw 2 million?

Whatever amount you save, your goal is to save enough to support a lifestyle that works for you. Can a couple retire with $2 million? It’s possible, although it’s about creating a retirement savings plan that’s right for you and your partner.

Is 200k a year rich?

At $200,000 a year, you’re considered an upper-middle-class in expensive coastal towns and wealthy in low-cost parts of the country. After $19,000 in retirement contributions to your 181,000(k), you are left with $126,700 in gross income, which leaves you with approximately $30 in after-tax income using an effective tax rate of 30%.

Can a couple retire with $2 million?

Whatever amount you save, your goal is to save enough to support a lifestyle that works for you. Can a couple retire with $2 million? It’s possible, although it’s about creating a retirement savings plan that’s right for you and your partner.

Who is a billionaire?

A billionaire is an individual with a net worth of at least one trillion U.S. dollars or a currency of similar value, such as the dollar or the pound sterling. As of now, no one has yet claimed billionaire status, although some of the wealthiest individuals in the world may just be a few years away from that milestone.

Is DJ Khaled a billionaire?

DJ Khaled is an American-Palestinian record producer, radio personality, DJ, record label executive, and author. Khaled is also chairman of ”Def Jam South’South label and CEO and founder of ”We the Best Music Group”.

NET VALUE: $75 MILLION

Last update: 2021

• May 17, 2021

What is Beyonce’s net worth?

Superstar Beyoncé Knowles turns 40 this year! According to Forbes, in her four decades around the sun, she’s fronted Destiny’s Child, starred in movies, released hit records, and amassed $440 million.

Are you rich if you have like 2 million dollars?

Most Americans say that to be considered “wealthy” in the United States in 2021, and you need to have a net worth of almost $2 million — $1.9 million, to be exact. That’s less than the $2.6 million net worth of Americans cited as the threshold for being considered wealthy in 2020, according to the 2021 Modern Wealth Survey.

What percentage of Americans has a net worth of over 1,000,000?

A new survey discovered that there are 13.61 million households who have a net worth of $1 million or more, not including the value of their primary residence. That’s over 10% of homes in the United States. Therefore, the United States is the country with the most millionaires.

What is the actual net worth of the top 5%?

U.S. Net Worth Percentiles – Top 1%, 5%, 10%, and Top 50% of Net Worth

Top 1% of net worth in the United States in 2021 = $10,500,000.

Top 2% net worth in the United States in 2021 = $2,400,000.

Top 5% net worth within the United States in 2021 = $1,000,000.

Top 10% net worth in the United States in 2021 = $830,000.

How to get rich gradually but surely?

What does it mean to get rich slowly?

• Invest 15% of your income on every paycheck from age 25;
• Avoid spending on frivolous things;
• Try to Learn about finance;
• Learn how to invest and history;
• Start saving early and work to become more disciplined;

Who is the wealthiest person in the world?

Jeff Bezos is the owner of Amazon, the world’s largest retailer, and Blue Origin. With a net worth of $177 billion, he is the wealthiest person globally.

How to get rich quickly?

How to Get Rich Quickly or Not

Playing the lottery (and relying on it for your income)

Joining a Multi-Level Marketing (MLM) Company…

Daily trades. …

Earn more money. …

Invest in yourself and your education. …

Learn about personal finance. …

Create and stick to a financial plan. …

Live below your means.

Seven coupon sites you need to visit before making a purchase ( coupon sites, online coupons, best coupon sites)

“Enjoy up to 20% discount on your purchase!”, “Use our code and then get an extra 40% discount”. Who does not like to take advantage of a discount to save some money? This type of promotional action influences the purchasing decisions of numerous consumers.

Types of online campaigns with coupons or discount codes

Although traditional paper coupons are still the preferred option for most shoppers, digital discount codes are gaining weight. This trend is reinforced thanks to the digital contests or promotions launched by the brands.

Within digital marketing campaigns utilizing codes, you can propose two types of mechanics: distribution of coupons and discount codes or code validation. Also, it is possible to incorporate these campaigns with other mechanics such as registration forms, quizzes, surveys, and prize wheels.

Delivery of discount codes

The delivery of a promotional coupon has its main objective to encourage the purchase through a discount or for the user to receive a free sample.

In coupon distribution campaigns, the brand gives users who access the landing of the action a coupon or code to enable people to enjoy a discount on their new purchase.

This mechanic is used as a reward or a consolation prize for individuals who participate in a quiz whose main objective is data collection. The possibility of getting that discount is an important reason for your followers to decide whether to participate. It is a win-win thing, an action where everyone wins.

The following are the majority of the dynamics that are distributed as discount codes:

Quizzes on personality or achievement

Users will earn a discount to use in your store in exchange for completing a quick and engaging questionnaire. Depending on their score or outcome, they will receive one or more codes, which they can use as a discount code online or for physical goods.

A travel operator, for example, may survey to help users find their ideal vacation spot. Depending on the destination, you can give different discount percentages to encourage travel reservations to specific promotional places.

Forms for registration

The most basic campaign option is to construct a simple data form that the user must fill out before getting their discount. This type of marketing works well to encourage the purchase of new products, clear out inventory, and when a sales boost is needed, such as before the Christmas season or during the January slump.

You can also use this method as a hook during discounts or promotions to provide additional value.

Another reasonably widespread application of discount delivery is when a brand rewards its users for subscribing to its weekly or monthly newsletter.

Tips for discount distribution campaign

You can decide to distribute an everyday discount coupon to all participants, which will appear as an image or text after their participation, or distribute different personalized coupons, depending, for example, on the result of a personality quiz.

Do not forget to configure the option to send by email so that users receive the discount in the email they have provided when participating.

Include discount coupons with Q.R. codes in your campaigns: introducing Q.R. codes or barcodes makes the redemption process easier and faster. The user simply needs to go to the point of sale and show either the printed pdf or the email they received with the relevant code to complete the exchange and collect their discount or gift. The brand or corporation that offers the campaign, on the other hand, should only read the code that the customer displays.

Code validation

As you have just seen, through an online contest or promotion, you can distribute coupons to redirect sales. But why not boost the reverse conversion as well? Get our customers to become followers of our profiles on the different social networks or access our website.

Customers’ loyalty to a brand can be encouraged through social media, and that commitment can be sustained over time. As a result, offering discount coupons that your clients may check through the application is a good alternative.

In this situation, the brand provides codes to its customers, such as on the purchase receipt. As an incentive, those users can exchange their points for a chance to win a prize. As a result, the client must go to the campaign’s landing page to confirm their code and see if they have won.

The essential key to saving money when making purchases, from a meal in a restaurant, or the supermarket, to appliances, is to compare prices. Sometimes, just because of laziness or ignorance, we go for the first option they offer us. However, we can find the same product with the same characteristics at a better price in another store.

We can compare prices and find additional offers or discounts with our phone and an internet connection. An excellent option to find savings is coupons, which are not very common among Mexicans. However, currently, there are many sites where you can access them.

Before buying a product or trying to contract a service, look for coupons on the Internet. If you can’t find it at first, I recommend the following to make a more precise search.

It is necessary to warn that you will find a lot of promotions since the companies aim to get customers. Even if you see an offer, do not buy something that is not adequately planned; stick to your budget to not affect your finances.

1. Groupon

Groupon is perhaps one of the coupon companies with the most extended history. It is easy to obtain discounts in recognized stores and services of up to 70%. You can find coupons for restaurants, activities, nightlife, massages, hotels, and beauty, among the offers. Some of the brands or businesses included are Acuario Inbursa, Carl’s Junior, Hooters, Little Cesar, Rebel Wings, and Remington.

2. Couponatic

On this page, you have access to hundreds of unique offers, discounts in restaurants, meals for your parties, cultural events, workshops, office rental, etc.

You can find discounts at The Ice Rink, Rebel Wings, plays, and workshops. In addition, you can sell a product or service to earn income.

3. Picodi

You will find a wide variety of online discounts. You can access both coupons and a

section of promotions offered by department stores.

Its catalog includes well-known brands such as Dominos Pizza, El Palacio de Hierro, Famsa, Dafiti, Soriana, and Sam’s Club.

4. Promodescuentos

On this page, you can find and share offers from well-known brands, and you can also vote and decide which promotions are good or bad.

It shows you where the offers are and redirects you to the page; for example, if a product is on sale at Walmart, it sends you to their page.

Some brands available are: Amazon, Volaris, Walmart, Cinépolis, Soriana, Farmacias Benavides, etc.

5. Radar coupon

In the Radar coupon, you will find discounts everywhere. You can search by store, which prevents you from seeing other tempting offers, and it has an extensive catalog.

You can find brands such as ADO, BestBuy, Uber Eats, Easy, Netshoes, etc.

6. Mexico Bargain Hunter

This platform lets you know the last-minute offers that you can find in physical stores. For example, supermarket brochures, product promotions, free tickets to museums, restaurant promotions, night sales or specials, and 2×1 on movie and concert tickets.

7. Your coupons

Your coupons have a wide variety of the best online stores in Mexico to save on your purchases, get a bonus, and receive free shipping and 2X1 promotions.

Some of the stores you can find are Amazon, Walmart, Xcaret, Barcelo, Linio, Ciberpuerta, Netshoes, and Despegar.com.

Also, in its magazine, you can take advantage of promotional codes, both for fashion, entertainment, or electronics, to learn about interior design.

15 frugal living tips to save money in 2022 (frugal living, frugal living tips)

The most effective process to save is to keep track of your expenses.

It is said that knowledge is power. The first step is to take your financial pulse. This is the most tedious part, but it is also the most important.

You’ll never know where you’re going if you don’t know how much you spend and how you spend it. First, make lists of your outgoings. How do you go about doing it? Easy. All of your expenses should be tracked, and you should keep meticulous records of what you spend from one hundred to one hundred percent. There are no shortcuts available. Don’t be alarmed just yet! After that, I’ll show you how to do it automatically and painlessly.

Gold Tips to Save More

1. Buy as cheap as possible

The first tip to save is evident and apparent. Don’t pay for something more if you can spend less. Some of the most useful bargain-hunting websites you should check out before you buy anything:

Wallapop. The marketplace is par excellence in buying second-hand products in Spain. It will allow you to save by buying cheaper and earn money by selling things you don’t need.

Chollometer. The biggest bargains and discount coupons agglutinated in one place.

Historical price of Amazon products. You can check it on this website. Rebates Take advantage of the winter and summer sales to buy products with great discounts, planning your purchases.

Buy generic products or white brands. You will receive the same quality for a much lower price in many cases.

2. Beware of social networks, newsletters, and targeted ads

We live in the new era of Big Data and new technologies. Companies have invested so much in knowing their consumers that it is often irresistible for us not to fall into temptation.

Be careful with social networks, newsletters, and ads segmented to your tastes.

They are weapons that constantly attack your savings. 9 out of 10 millennials do admit to impulse buying, according to this survey. There’s an explanation for this: marketers are tremendously good at making you buy things you don’t need.

3. Buy little, but of high quality

Cheap is always expensive in the long run. It is preferable to buy a few awesome quality things we need.

Investigate the quality, durability, and value it will bring to our lives before closing the transaction. Read reviews from other buyers and compare the features of similar products. In this process, you will avoid making hasty decisions.

4. Don’t buy to impress others

“We buy things we don’t need, with money we don’t have, to impress people who don’t care about us.”

In the consumerist civilization in which we live, the false belief has spread that buying material goods will increase our satisfaction.

People buy unnecessary things to impress people and feel accepted. Don’t get carried away by this current of irrationality. Do you want such a big house, the latest iPhone or a BMW? Or do you just buy it to signal that you’re doing well to others?

5. Do not go shopping

Shops know all the tricks, so you buy things you don’t need. Suppose you also go to shopping centers and visit online stores with the sole purpose of killing boredom. In that case, you will end up falling into their network.

This is a pitched battle—businesses with sales experts trying to sell you more than you need against you and your impulses. Get ready for combat, and don’t give an inch.

6. Don’t live beyond your means

If you cannot save at least 10% of your monthly income, you live above your current financial possibilities. Be honest with yourself and start acting as soon as possible.

What does it mean to live beyond your means? Spend everything you earn and save nothing. According to Housers, 26.70% of Spaniards do not keep anything and live payroll to payroll. The problem lies when unusual things like Covid

happen. Having a mattress and saving something every month should be a must.

7. Do it yourself

Embrace the “Do It Yourself” philosophy. When something breaks, the most normal thing is to call someone to fix it for us automatically. Trotters are an endangered species.

A movement has emerged to fight against the easy-open society that seeks to repair and manufacture things with all our efforts. Not only that you will be able to save some money, but you will find flow enjoying the activity, and it may end up becoming a hobby.

Some examples that you can do yourself: income statement, make crafts to give as gifts, fix a broken car or bicycle, build a bookshelf, design your website, varnish a piece of furniture. Your creativity is the only limit.

8. Tie down the top three expenses

Most of the success of your finances will depend on the choice you make of those known as the Big Three and the Financial Pareto Law.

Your home

Your car

Feeding

A lousy decision can harm you for life. Make decisions with a lot of strategies, research, and forethought. Many expenses are necessary for the day today. However, many other times, a simple mistake can completely squander your future savings capacity.

Some universal advice:

Don’t buy a bigger house than you need.

Buy a 0km car rather than a new one.

Try to cook most of what you eat.

9. Beware of subscriptions

Some that come to mind: Netflix, HBO, Amazon Prime, Spotify, Office 365, PlayStation Plus, your gym subscription…

Do regular reviews of all of them. How many do you use frequently, and is it worth

paying for? Often, out of laziness, we automatically pay for things that we don’t even use. Another piece of advice: if you have the option, sign up for the Family Plan, sharing expenses with other members.

More businesses are turning to a subscription model. This explains that you do not receive the total money you are paying, and companies ensure recurring income: around business, less for your wallet.

10. Watch ant expenses

Ant expenses are usually small and recurring expenses. They do not usually have any importance for us since they hardly imply any cost individually.

The problem is when these “minuscule” expenses add up and become quite prominent in our weekly expense item. Be careful, my friend.

Some examples: coffee and breakfast every morning, lunches, snacks, cigarettes, and tips. Locate yours and tie them.

11. Renegotiate utilities, insurance, and recurring expenses

We often accumulate contracts that have not been updated for years and years. The result? We always end up overpaying. Review everything you pay for regularly and see if there are cheaper alternatives. Otherwise, try to negotiate a discount where you currently have the service contracted.

Wifi, gas, electricity and energy, water, mobile phone bill, insurance.

12. Commissions from your bank and broker

Ignorance is paid at a very high price.

And in the case of the financial industry, this translates into passing on more financial expenses to clients. Banks are not stupid.

Look for bank accounts without commissions and the cheapest investment product (in my case, I invest most of it in index funds). By doing research, you will realize that you are indeed paying more, and more exciting options are on the market.

13. Beware of vices and social expenses

Social pressure is usually extreme at times. We often regret it the following day by reviewing our bank statement from the night before.

Learn to say no, and enough is enough. Watch those drinks that you drink too many of, those extra beers or the cigarettes. But without getting bitter! Life is to

enjoy it and give you a little sauce.

14. Consider money as vital energy

Every dollar you waste is the life you are losing. Don’t forget it when you spend the next dollars.

Money is vital energy.

If you buy an iPhone for €1,000 and charge €1,000 a month, it doesn’t cost you that price, but 160 hours of your precious time.

When you start to see money like this, you stop fooling around and start managing it intelligently.

15. Live a frugal, simple, and moderate lifestyle

“Containing yourself is natural wealth. Luxury is artificial poverty.”

Now is your turn. What method, tips, and tricks do you personally use to save more money.

Ten six-figure jobs that don’t require a college degree (six figures, six-figure jobs)

While many aspire to attend college after high school, not everyone can, or should, go straight to college. Family problems, lack of funds, unforeseen responsibilities, or a career choice can deter someone from attending college. Only 27.5% of the United States adult population has a four-year college degree.

Many people who don’t attend college make six-figure incomes and are successful without four-year college degrees. Studies revealing that high school graduates earn an average of $1.2 million over their working lives illustrate that opportunities exist for those without a degree to earn $100,000 or more each year. Achieving financial success without a college degree takes a lot of determination, risk-taking, and networking, but the opportunities are out there.