15 Father’s Day Gift Ideas That Won’t Break The Bank

15 Father’s Day Gift Ideas That Won’t Break The Bank

15 Father’s Day Gift Ideas That Won’t Break The Bank

Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

  • 43
    Shares

Father’s Day is almost here (June 21, 2020) and I know you’re looking for the perfect way to tell your dad that he’s the best!

To help you out, I’ve rounded up some budget-friendly Father’s Day gift ideas that scream “I love you!” without breaking the bank.

Whether your dad is the outdoorsy type or a snuggly homebody, you’ll find something on this list that he’ll love.

But, let’s all remember:

Change your money mindset

Celebrating dad isn’t about the gift you give him but how you show him how much he means to you.

So, let the guy sleep in late, make him his favorite breakfast, and yeah, shower him with a few gifts.

He’ll feel like the luckiest man in the world!

These are 15 Father’s Day gift ideas that your dad will love:

15 FATHER’S DAY GIFT IDEAS THAT WON’T BREAK THE BANK:

1.  Personalized Wallet/Money Clip, $32.99

This sleek wallet makes the perfect gift!  Personalize it with a message that makes dad feel super special.

2.  Amazon Gift Card, $25+

There’s no better way to say “I love you” than by saying “go buy what you actually want!”

3.  Papa Bear Mug, $19.95

If your pops loves coffee, this personalized mug is the way to his heart!

4.  Survival Kit, $39.99

Got a wilderness junkie on your hands?  This survival kit has everything your dad will need for camping, hiking, hunting, and more.

5.  Hipcamp Experience, $25+

Send your dad on a weekend camping trip by finding him a unique and low key spot on Hipcamp!

6.  Grilling Set, $32.99

Make sure your dad has everything he needs to cook your favorite meals on the grill this summer!

7.  Beard Grooming Kit, $24.99

Help your dad take care of his epic beard by grabbing this beard oil and balm on Amazon!

8.  Bartender Kit, $39.99

Uhm!  Yes, please!

9.  Kiwi Co Eureka Crate, $29.95

A Eureka Crate from Kiwi Co makes the perfect gift for any dad who loves building and creating.  Designed for ages 14-104, the Eureka crate combines science and engineering to create amazing projects!

10.  “What I Love About Dad” Journal, $20.95

Tell dad how much he means to you by filling in 45 different prompts!

11.  Adidas Hoodie, $39.99

My man is always looking for a new hoodie and, uh, how cozy does this one look?!

12.  Used Books Monthly Subscription, $5.79

Is your dad a book lover?  Subscribe to Used Books Monthly and have a new book sent to him each month!

13.  Multipurpose Backpack, $44.50

This sleek backpack is perfect for camping, hiking, fishing, and more!

14.  The New Yorker Subscription, $5.00

Another great father’s day gift ideas for any readers out there!

15. Birchbox Men’s Grooming Subscription Box, $10.00

Load your guy up on all the essentials every month with a subscription to Birchbox for men! Included are 5 products such as face wash, deodorant, shaving essentials, and soap.

Voila!  Now you have no excuse not to get your dad something special for Father’s Day!

With these 15 Father’s Day gift ideas, you’ll be sure to make his day.

  • 43
    Shares

HAPPY FATHER’S DAY!

– Michelle

P.S.  Was this post helpful?  Consider buying us a coffee to show your support! 

Buy Us A Coffee!Buy Us A Coffee!

POSTS YOU’LL LOVE

5 Ways to Avoid Going Back into Debt

Finally clearing your debt is one of the best feelings in the world. The last thing you want to do is get snowed under again. If you’re worried you might fall back into the same old habits, then there are a few simple things you...

read more
15 Father’s Day Gift Ideas That Won’t Break The Bank

15 Father’s Day Gift Ideas That Won’t Break The Bank

Updated On May 14, 2020Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review...

read more

TRENDING PRODUCTS

2020 LIFE BOSS PLANNER

(38 PAGES)

$19.00 $9.00

BULLET JOURNAL BUNDLE

(87 PAGES)

$32.00 $12.00

fathers day gift ideas
fathers day gift ideas
fathers day gift ideas
65 Graduation Gift Ideas For Any Budget (That You Can Buy Without Leaving Your House!)

65 Graduation Gift Ideas For Any Budget (That You Can Buy Without Leaving Your House!)

65 Graduation Gift Ideas For Any Budget (That You Can Buy Without Leaving Your House!)

Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

  • 26
    Shares

Graduation season is upon us!  Which means that you have some shopping to do.

From kiddos graduating from pre-school (is there anything cuter) to young adults leaving college to start their independent lives, right now is a time to celebrate your family and friends for accomplishing something so major.

But, like, what gift could you possibly buy to convey to your loved ones “Congrats, I’m proud of you!”?

Well, you’re in luck, because:

Change your money mindset

I’ve rounded up the best graduation gift ideas for kids, teens, and young adults who are celebrating such a monumentally awesome time in their life.

And, as you know, the world is a little off right now.

This means that your recent grad likely didn’t get to participate in end-of-year activities, missed out on prom, and didn’t have a graduation ceremony.

So, with that in mind, it’s time to make your graduate feel extra, extra, extra special with one of these epic graduation gift ideas!

(Don’t worry, these gifts are perfect for anybody on a budget – they’ll still pack a big punch for a small cost!)

Oh, and did I mention?  You can snag any of these gifts without having to leave your home!

Let’s dive in:

GRADUATION GIFT IDEAS FOR PRESCHOOL GRADS

1.  ‘Kindergarten, Here I Come!’ Book, $2.69

Hype up your little one for kindergarten with this adorable book!  They’ll feel ready for their new adventure as soon as you’re done reading.

2.  Summer Journal For Kids, $5.99

This is the perfect age to encourage your little one to keep learning throughout the summer – they think its fun!  For a small cost, you can look back on your kid’s summer before going off to kindergarten through their eyes with this adorable journal.

3.  Fire Tablet – Kids Edition, $99.99

The Fire Tablet for kids by Amazon is the perfect way to allow your kids to have the screen time they crave while educating them in the process.

With the ability to set time limits and restrictions, this tablet is perfect for school-aged children who want to have fun while learning!

Also, their 2-year worry-free guarantee means that if it breaks, you can send it back and have the Fire Tablet replaced at no cost to you.

4.  Graduation Barbie, $29.99

How cute is this Barbie?!

Get your little one a graduation Barbie that they can relate to as they play!

5.  Preschool Graduate Tshirt, $15.99

Help your little one let everybody know that they are a super special preschool grad with this adorable t-shirt!

6.  I Crushed Preschool Tshirt, $19.99

Another stellar way to help your graduate brag about their epic accomplishment!

7.  Splash Pad, $34.99

Schools out for summer and it’s time to get your little one hyped!

This splash pad will be all the rage for every preschooler made kindgergartener who is ready to get their summer on.

8.  Outdoor Adventure Pack, $29.99

Make your kiddos’ summer adventurous and fun with this outdoor kit!

9.  Outdoor Sports Pack, $33.42

Have fun with the whole family with this outdoor sports pack!

10.  Kiwi Co Kiwi Crate Subscription Box (Ages 5-8), $24.95

Kiwi Co is hands down the best subscription box for kids!  With multiple boxes to choose from, designed for specific age groups, your youngin’ will be entertained and challenged each month with a new creative toolbox!

Kiwi Co believes in encouraging kids to be creative and confident and is the perfect monthly treat.

As a gift-giver, you can choose the age group you wish your box to be geared to, and the length of your subscription – from 1 month to 12 months!

11.  Owl Post Books Subscription (Ages 4-7), $14.99

Instill a love for reading in your young one with a fun subscription box from Owl Post Books.

Each month your little one will receive a new book that will ignite their passion for reading and learning!

GRADUATION GIFT IDEAS FOR ELEMENTARY SCHOOL GRADS

1.  Middle School Survival Handbook, $9.89

Get this hilarious book for your elementary school grad to ease their fears of going to middle school.

2.  Dabbing Unicorn 5th Grade Grad T-shirt, $22.95

Your soon-to-be middle schooler will love this tye-dye dabbing t-shirt announcing their graduation.

3.  Nintendo Switch Lite, $199.99

Your pre-teen just graduated elementary school!

Let them know how proud of them you are with this epic graduation gift that any kid would love.

4.  Middle School Manual, $9.49

Help your pre-teen feel ready for their middle school journey with this manual!

5.  Graduation Necklace, $39.95

This pretty necklace is the perfect way to commemorate a special occasion!

6.  Owl Post Books Subscription (Ages 8-11), $14.99

Make reading cool and exciting by signing your pre-teen up for an Owl Post Book subscription.

Each month, they’ll get a new book that is perfect for their age group!

7.  Grand Slam Baseball Water Slide, $59.99

Start your new grad’s summer off right and be the talk of the neighborhood with this baseball slip n slide!

8.  New Bike, $180.00

What screams summer vacation more than a new bike?!

9.  5th Grade Level Complete T-shirt, $19.95

This fun t-shirt will help your new grad celebrate their awesome accomplishment!

10.  Kiwi Co Subscription Box, $24.95

Kiwi Co is the perfect subscription box for creative kids who want to feel challenged and rewarded from building something fun!

You can choose from 3 boxes for your 10-12 year-old to encourage them to use their creativity and imagination.

As a gift-giver, you can choose the age group you wish your box to be geared to and the length of your subscription – from 1 month to 12 months!

GRADUATION GIFT IDEAS FOR MIDDLE SCHOOL GRADUATES

1.  Bookbag Set, $22.99

This adorable bookbag set is perfect for anybody entering high school.  Its ergonomic design includes a phone and ID pouch, a laptop section, a shoulder bag perfect for bringing a home lunch, and a supplies case!

2.  The Freshman Survival Guide, $15.10

Entering high school can be a scary time for some, so prepare your new grad for their freshman year with this fun survival guide that will let them know they have nothing to worry about!

3.  Graduation Necklace, $16.99

Commemorate your teens big moment with this thoughtful, simple, and pretty necklace.

4.  Graduation Cap Amazon Gift Card, $25+

Nothing says ‘I love you’ more than a gift card they can spend on whatever they please!

5.  Dabbing Graduation T-Shirt, $14.95

The only graduation tee your soon-to-be high schooler won’t be embarrassed to wear!

6.  Moving On From The Middle Book, $8.00

Help your new grad feel ready for their new adventure with this book!

7.  New Wallet, $7.99

Make sure your teen doesn’t lose his/her ID or lunch money with a new wallet!

8.  Fire Tablet, $49.99

A new tablet is the perfect gift for your new grad!  They can read books, plan their days, play educational games, use social media, and more.

9.  Owl Post Books Subscription (YA), $14.99

Keep your teens love of reading alive (with so many other distractions) by gifting them a subscription to Owl Post Books.  Every month they’ll get a new Young Adult book that they can escape with.

10.  Kiwi Co Maker/Eureka Crate, $34.95

Kiwi Co has super fun, challenging, and creative subscription boxes for people of all ages.

Especially appropriate for a middle school graduate are the Maker Crate and Eureka Crate.

The Maker Crate includes hands-on projects with high-quality materials for creative learning. Their past Maker Crate boxes have included succulent/plant hangers, pillow making, and crocheting.

The Eureka Crate includes challenging engineering projects that encourage hands-on creativity.  Past Eureka Crate boxes have included building your own guitar, your own electrical pencil sharpener, and your own bedside lamp.

Either one of these subscription boxes by Kiwi Co will keep your teen busy with fun projects this summer!

11.  FabFitFun Subscription Box, $25+

The FabFitFun boxes are all the rage!  Four times a year, your love done will receive a box jam-packed with full-size premium products.  Some past boxes have included totes bags, jewelry, skincare, makeup, water bottles, slippers, household decor, and more.

12.  Ipsy Subscription Bag, $12.00

Do you have a beauty lover on your hands?  Ipsy is the perfect way to introduce your young adult to the world of makeup and skincare without overdoing it.  Each month, they’ll receive 5 (full size and sample size) beauty products to test and enjoy!

13.  Wireless Earbuds, $42.99

Make your teen feel cool and included by gifting them wireless earbuds which are all the rage right now.

14.  Smart Watch, $35.99

Your new high school student will never be late for class with this affordable smart watch!

GRADUATION GIFT IDEAS FOR HIGH SCHOOL GRADS

1.  Anti-Theft Laptop Backpack with USB Charging Port, $25.99

Your new college student will need a high-quality backpack to lug all their textbooks and laptop around in from class to class.  This affordable backpack is sturdy and provides an anti-left laptop pouch with a USB charging port for charging on the go!

2.  Amazon Prime Membership, $39

College students will undoubtedly need things that they couldn’t have anticipated needing.  And, with Amazon Prime, they can get those things in just two short days – delivered right to their dorm room!

3.  ‘Recipes Every College Student Should Know’ Cookbook , $9.95

Make sure your college student doesn’t starve with this handy cookbook!

4.  Coffee Tumbler, $17.99

With early morning classes (and inevitable late nights), this coffee tumbler will come to be your college students (or entrepreneurs) saving grace.

5.  Whole Foods Gift Card, $25

Help your grad make healthy food choices as they venture out on their own with this Whole Foods gift card!

6.  ‘The Naked Roommate: And 107 Other Issues You Might Run Into In College’ Book, $10.99

This go-to guide for the best college experience has been rated #1 for 10 years!  This hilarious book will share all the dirty secrets your new college student needs to know about starting this next adventure.

7.  Boxycharm Subscription Box, $25

Send the makeup lover in your life 5 full-size beauty products each month that they can show off around campus with Boxycharm!

8.  Keurig Mini Coffee Maker, $79.99

This coffee maker will make the perfect addition to your new college students’ dorm!

9.  Mattress Topper, $39.99

We all know that college dorm room mattresses are NOT comfortable!  Make sure your college student is getting a good night’s sleep with this mattress topper.

10.  Amazon Gift Card, $25

You can never go wrong with an Amazon gift card!

11. Birchbox Men’s Grooming Subscription Box, $10

Load your guy up on all the essentials every month with a subscription to Birchbox for men! Included are 5 products such as face wash, deodorant, shaving essentials, and soap.

12. Portable Shower Caddy, $22.97

This is an essential item for anybody going off to college making the perfect graduation gift!

13. Microwavable Cookware & Dinner Set, $26.25

Make cooking easier for your new college student with this cookware set specifically designed for microwave cooking!

14. Personal Smoothie Blender, $21.99

The perfect healthy addition to any dorm room!

15. Electric Hot Pot, $30.99

This electric hot pot can cook anything from meat, and rice to ramen and oatmeal.  Dorm life eating will be a breeze with this bad boy!

16. Used Books Monthly Subscription, $5.79

Used Books Monthly is PERFECT for college students! Although they’ll have tons of studying and textbook reading to do, having a book to read for enjoyment is always encouraged.  Whether it’s between classes or before bed, Used Books Monthly will send 1 book per month to your graduate to keep their love of reading alive.

17. Hipcamp Experience, $25+

Send your new grad on an unforgettable camping experience with their friends using Hipcamp!  With Hipcamp you can find hundreds of camping spots – near and far – that will wow your graduate! Use the button below to receive a $10 credit!

BONUS:  Laptop – $465+

While laptops are expensive, they are essential for college and will make the perfect graduation gift for your high school grad!

Alright, there you have it! 65 graduation gifts for grads of all ages!

Enjoy 🙂

  • 26
    Shares

CONGRATS GRADS!

– Michelle

P.S.  Was this post helpful?  Consider buying us a coffee to show your support! 

Buy Us A Coffee!Buy Us A Coffee!

POSTS YOU’LL LOVE

5 Ways to Avoid Going Back into Debt

Finally clearing your debt is one of the best feelings in the world. The last thing you want to do is get snowed under again. If you’re worried you might fall back into the same old habits, then there are a few simple things you...

read more
15 Father’s Day Gift Ideas That Won’t Break The Bank

15 Father’s Day Gift Ideas That Won’t Break The Bank

Updated On May 14, 2020Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review...

read more

TRENDING PRODUCTS

2020 LIFE BOSS PLANNER

(38 PAGES)

$19.00 $9.00

BULLET JOURNAL BUNDLE

(87 PAGES)

$32.00 $12.00

25 Free Budget Printables For 2020

25 Free Budget Printables For 2020

25 Free Budget Printables For 2020

Updated On May 12, 2020

Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

  • 62
    Shares
I have a few questions for you:

  • Do you have a budget?
  • Is your debt piling up with no way to pay it off?
  • Does it feel impossible to save money?

I know these are struggles in your life because I also struggled with them.

But, it gets better:

These are the best free budget printables to organize your finances!  Included in this roundup, you'll find budget templates, debt pay off trackers, savings trackers and challenges, expense trackers, and more. Click now to download your free budget printables to organize your finances or create your DIY budget binder! #budget #printables #free #freeprintables #budgetprintables #templates #budgeting #freebies #finances #budgetmoney #worksheets
I’ve rounded up all the budgeting printables and worksheets you could ever need to rock every part of your finances.

Here you’ll find:

1.  Budget System Printables

2.  Budget Tracking Printables

3.  Savings Printables + Challenges

4.  Debt Repayment Printables

5.  Personal Finance Organization Printables

Simply click on the links to download your new budgeting printables!

1.  BUDGET SYSTEM PRINTABLES

With so many budgeting systems/methods floating around on Pinterest and Google, how can you possibly find the one that works best for you?!

I’ll tell you how:

Experiment with different systems until you find your perfect match.

Dive in now!

  • The Zero-Sum Budget by Hope And Cents – This is a popular budgeting system that works for so many people!  Similar to a percent based budget, The Zero-Sum Budget works by allocating all of your income each month to specific categories, such as bills and savings until you’re out of money.  Don’t forget your free zero-based budget forms!
  • The Cash Envelope Budget System by The Budget Mom – This budget system is great if you find it difficult to spend your money on the right things since the cash in each labeled envelope is the only money you have for that expense.  And, she provides you with free envelope templates!

2.  BUDGET TRACKING PRINTABLES

Now that you’ve found a budget system that you enjoy, you need a place to track your budget!

Easily keep track of your budget with these free budget tracking printables:

  • Bill Payment Tracker by Clean And Scentsible – If you’re looking for a simple solution to managing your budget, check out this awesome bill payment tracker to make sure you always have enough money to pay your bills on time!
  • Budget Tracking For Your Business by Printable Crush – Printable Crush has so many amazing and free printables on their website, and their business budget tracking printables do not disappoint!  If you’re in the business of running your own business, these business budget printables are great!
  • Expense Tracker by Shining Mom – Track your weekly expenses to make sure you’re sticking to your budget.  You’ll also be able to notice poor spending habits and stop them!

3.  SAVINGS PRINTABLES & CHALLENGES

It’s time to start saving more money than before!

Use these printables and challenges to help you out:

4.  DEBT REPAYMENT PRINTABLES

Ugh, debt!

If you have debt, I’m willing to bet that you’re trying to get out of it, right?

So, make getting out of debt easier than ever before with the help of these printables!

Alright, there you have it!

The 25 best resources on the web to organize your budget!

Cheers to starting a budget, tracking your finances, getting out of debt, and saving more money!

Woo!

BONUS:  BUDGET PRINTABLES TO ORGANIZE YOUR FINANCES

If you can’t get enough of these budget printables, you are gonna love the Budget Boss Binder!

The Budget Boss Binder is a complete toolkit to create your own budget planner that will help you:

  • create a strong budget
  • pay off debt
  • save money
  • organize your finances

and more!

SPECIAL OFFER!

SAVE $18 RIGHT NOW

When you act fast, you can download our best-selling Budget Boss Binder for only $9!  But, quick!  This deal ends tonight at midnight!

  • 62
    Shares

HAPPY BUDGETING!

– Michelle

P.S.  Was this post helpful?  Consider buying us a coffee to show your support! 

Buy Us A Coffee!Buy Us A Coffee!

POSTS YOU’LL LOVE

15 Father’s Day Gift Ideas That Won’t Break The Bank

15 Father’s Day Gift Ideas That Won’t Break The Bank

Updated On May 14, 2020Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review...

read more
25 Free Budget Printables For 2020

25 Free Budget Printables For 2020

Updated On May 12, 2020Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review...

read more

TRENDING PRODUCTS

2020 LIFE BOSS PLANNER

(38 PAGES)

$19.00 $9.00

BULLET JOURNAL BUNDLE

(87 PAGES)

$32.00 $12.00

17 Best Budgeting Apps To Manage Your Money Like A Pro

17 Best Budgeting Apps To Manage Your Money Like A Pro

17 Best Budgeting Apps To Manage Your Money Like A Pro

  • 138
    Shares
These are 17 of the best budgeting apps to download! Whether you need to make a budget, track your spending, save money, pay off debt, or make extra money, there is an app in this list for you. Most of these apps are free and available on an iPhone or Android. Click to explore all these good budget apps like Mint. #budgeting #apps #budgetapps #budgetingapps #free #iphone

Disclosure:  Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

Apps, apps, apps.

There’s an app for everything nowadays, and the budgeting niche isn’t an exception.

Here’s the dealio:

Whether you need to track your budget, save money, or pay off debt, there is an app for you.

Let’s not waste any more time and dive right into the best budgeting apps that you should definitely download.

1.  Mint (Free)

I’ve been using Mint for yearssss and man can I tell you how far they’ve come.

Their dashboard is simpler than ever to use and allows you to manage/monitor your budget, transactions, bill due dates, and investments.

With Mint, you’ll also be able to:

  • monitor your credit score
  • create and track financial goals
  • apply for credit cards, personal and student loans, and life insurance

Mint is undeniably one of the best budgeting apps out there to help you manage your money like a pro.

Price:  Free

Click here to download the Mint app.

2.  YNAB (Free Trial, $11.99/Month)

YNAB will help you learn how to budget using their proven method, overcome debt, save money, and stop living paycheck to paycheck.

Their award-winning software and proven method have been successfully used by hundreds of thousands of people.

Included in your membership, you’ll be able to:

  • budget your money
  • sync your budget with your partner
  • set and track financial goals
  • create reports showing you spending trends

YNAB is definitely worth the investment if you want to manage your money to the best of your ability!

Price:  Free trial for 34 days
After free trial:  $11.99/month or $84/year

Click here to sign up for your free trial of YNAB.

3. EveryDollar (Free, Optional Upgrade)

With the EveryDollar app, you can monitor your income and expenses to make sure you’re living within your means.

Additionally, you can track your spending to make sure you’re sticking to your budget.

When you use EveryDollar, you’re able to bring your budget with you everywhere – making budgeting easy and stress-free.

And, there’s more:

For just $129.99/year, you can unlock EveryDollar plus and a boatload more features.

These include:

  • connecting your bank account for easy budget balancing
  • access to Financial Peace University (9-lesson class that teaches you how to pay off debt, save, and build wealth)
  • debt snowball tool

EveryDollar is a one-stop-shop for your all your budgeting and money management needs, making it one of the best budgeting apps available.

Price:  Free
Plus Version: $129.99/year

To check out EveryDollar, click here.

4.  Personal Capital (Free)

Personal Capital helps you manage your wealth and cash so you can make the best financial decisions.

With Personal Capital, you can:

  • assess your income and expenses
  • calculate your net worth
  • set up and track your budget
  • monitor your investments
  • plan for retirement

And more.

Their team of experts will help you make sure your money is being spent, saved, and invested well.

Price: Free

To get started with Personal Capital, click here.

5.  Truebill (Free)

Truebill is the perfect budgeting app for those who want to monitor their spending habits and make better use of their hard-earned cash.

When you download the Truebill app, they will:

  • manage your subscriptions (so you don’t have to keep paying for things you aren’t using)
  • lower your bills
  • get you refunds for fees and outages
  • give you a clear snapshot of your financial wellbeing

And, get this:

To date, they’ve helped their customers save a combined $14 million dollars.

To be added to that list of money-savers, click here to download Truebill for free!

Price:  Free

SHARE THE LOVE <3

These are 17 of the best budgeting apps to download! Whether you need to make a budget, track your spending, save money, pay off debt, or make extra money, there is an app in this list for you. Most of these apps are free and available on an iPhone or Android. Click to explore all these good budget apps like Mint. #budgeting #apps #budgetapps #budgetingapps #free #iphone

6.  Trim Financial (Free)

Trim Financial is very similar to Truebill in the sense that their goal is to save you money.

When you sign up for Trim, they will:

  • negotiate lower costs for your WiFi, cable, and cell phone bills
  • find and cancel unwanted subscriptions
  • lower your APRs and bank fees
  • negotiate a discount or payment plan for medical bills
  • automatically move money into your emergency fund (or other savings accounts)

So far, Trim has saved its users $40 million dollars!

Price:  Free
Premium Option:  $99/year

To save tons of money, get started with Trim by clicking here.

7.  Honeyfi (Free Trial, $59.99/year)

Ever feel like you and bae will never be on the same page when it comes to your money?

Well, not anymore.

With Honeyfi, you can save money, pay off debt, and get ahead financially as a couple.

Using their simple tools, you can choose which accounts to connect and share, what money goes where, and how to spend your hard-earned cash.

Here’s the low-down on everything Honeyfi provides:

  • unlimited accounts
  • savings goals with 1% bonuses
  • customizable budgeting
  • bill tracking
  • spending notifications and analytics
  • the ability to control which accounts you share and which you don’t

And, get this:

On average, couples save $700 their first-month using Honeyfi!

Price:  Free for 30 days
After free trial:  $59.99/year

To start your free trial with Honeyfi (and your boo), click here.

8.  Tally (Free)

The Tally app is the first automated debt manager created.

With Tally, you can:

  • manage all of your credit cards in one place
  • personalized debt manager to help you get out of debt faster
  • late fee protection on your credit card payments
  • low-interest credit line to pay off your credit card debt faster
  • save tons of money on interest rates

Price:  Free to download

To see if Tally is the right fit for you and your debt management, click here

9.  Chime Banking App (Free + $50 Gift)

You might be wondering why I’m including a banking app in this list.

I mean, you probably already have a bank that you use and that has an app to go along with it.

But, here’s the deal:

Chime is the future of online banking.

When you sign up for a Chime bank account (and savings account), you will benefit from tons of stuff like:

  • not paying crazy fees (like monthly minimum balance requirements, overdraft fees, foreign fees, or service fees)
  • getting paid up to two days earlier than your coworkers
  • automatic savings feature

I’ve been a member of Chime for about 6 months and I love them – they’re a no-hassle bank that has your best interest at heart.

To sign up for your own Chime bank account and get a $50 free gift, click here.

10.  Rakuten (Free + $30 Gift)

If you shop online (or in stores) frequently, then you need Rakuten in your life to start earning cash back.

Rakuten is super simple to use.

Before you shop, simply:

  • Open the Ebates App or login via Ebates.com
  • Find the store you want to shop from and shop as usual
  • Earn as much as 20% cash back for your purchase

You can turn in your cash for PayPal payments or a check.

Price:  Free

To download the Rakuten app and start earning cash back, click here.

(You’ll also get a $10 free gift!)

11.  Ibotta (Free + $20 Gift)

Ibotta will save you tons of money on things you already buy.

It’s simple:

  • Download the Ibotta App
  • Add eligible offers from your favorite retailers (like Target, Uber, Olive Garden, and more) to “My Offers”
  • Shop as usual online or in-store
  • Snap a pic of your receipt to get cash back!

You can also add your debit/credit card to your Ibotta app and get cash back automatically on qualifying purchases.

Then, you can turn in your cash for PayPal payments, gift cards, or Venmo payments!

Sign up today to start saving and earn your free $10 welcome bonus!

12.  Dosh (Free + $5 Gift)

Rewards apps are basically giving away free money these days.

Here’s the deal:

Dosh is hands down the easiest way to start earning cash back on purchases you already make.

All you have to do is download the Dosh App and connect your debit or credit card.

Then, shop as usual and earn cash back instantly.

You can earn as much as 15% cash back on normal purchases by swiping the same card you always do.

Here’s the best part:

Dosh will give you $5 for free just by signing up and linking a card & you’ll get $5 for every friend you refer!

#ilovefreemoney

13.  Acorns ($1/month)

Want to start investing your money but don’t know where to start?

Well, I have good news:

The Acorns app is the perfect way to get started with investing.

Once you connect your accounts to Acorn, they’ll invest your spare change for you to start growing your portfolio.

Acorns will also help you save for retirement by recommending an IRA perfect for you!

Price:  $1-$3/month

To start easily investing in your future, click here to download the Acorns app.

14.  Charlie (Free)

Sooooo Charlie is 100% the cutest way to manage your money.

When you download the Charlie app, you’ll be connected with their adorable prodigy Penguin who will help you:

  • reduce your bills
  • avoid unnecessary charges/fees
  • track your spending
  • create savings plans for you

 

For real:

If you only download one app on this list, make it this one.

Price: Free

Click here to download Charlie and get in on the savings (and cuteness).

15.  Survey Junkie (Free)

Ever wonder if you could get paid for all the time you spend on your phone?

Well, now you can.

When you’re waiting in the doctor’s office, commuting to work or school, or just plain bored, you can take surveys on Survey Junkie and earn extra money!

With Survey Junkie, you can easily become an influencer by sharing your opinions of trending brands and products.

Cash-out your earnings via Paypal or for gift cards!

Price:  Free

To start earning extra money download Survey Junkie today!

16.  Opinion Outpost (Free)

Another option for taking surveys and earning extra money is Opinion Outpost.

When you sign up for Opinion Outpost, you can easily earn money online without the hassle of starting your own business.

If you want to easily earn extra money for you and your family, this is the budgeting app for you.

Price:  Free

Download Opinion Outpost to start earning extra money!

17.  Fresh Books (Free Trial, $6.00/month)

Do you have your own business?

Then, the FreshBooks app is the perfect budgeting solution for your small business.

When you use the FreshBooks apps, you can:

  • send invoices in seconds
  • organize your expenses
  • get paid faster

 And ultimately successfully run your business from anywhere.

Price:  Free trial for 30 days
After free trial: $6-$20/month

Click here to start managing your businesses finances better.

There you have it:

The 17 best budgeting apps to manage your money like a pro!

Here’s the deal, though:

Obvs you shouldn’t download all 17 of these apps — that would be crazy.

Instead, choose the ones that help your current financial needs and organize them in a “finances” folder on your phone.

These apps will help you stick to your budget, save money, make money, pay off debt, and ultimately take control of your finances, so don’t miss out!

These are 17 of the best budgeting apps to download! Whether you need to make a budget, track your spending, save money, pay off debt, or make extra money, there is an app in this list for you. Most of these apps are free and available on an iPhone or Android. Click to explore all these good budget apps like Mint. #budgeting #apps #budgetapps #budgetingapps #free #iphone
  • 138
    Shares

happy budgeting,

– michelle

P.S.  Was this post helpful?  Consider buying us a coffee to show your love <3

Buy Us A Coffee!Buy Us A Coffee!

Keep reading…

5 Ways to Avoid Going Back into Debt

Finally clearing your debt is one of the best feelings in the world. The last thing you want to do is get snowed under again. If you’re worried you might fall back into the same old habits, then there are a few simple things you...

9 Best Tips On How To Prepare For A Recession

9 Best Tips On How To Prepare For A Recession

9 Best Tips On How To Prepare For A Recession

  • 120
    Shares
These are 9 things you're gonna wanna know when the 2020 recession hits.  Click to learn how to prepare for a recession so you can survive a recession!  Don't miss these recession tips.   Download your checklist, too! #recession #2020

Disclosure:  Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

Ugh, a recession.

Nobody enjoys the idea of their income plummeting or their finances being ruined.

But, unfortunately, here’s the deal:

The United States (as well as other parts of the world) are likely heading towards a recession in 2020.

(If we’re not already in one, as some experts think.)

So, let me ask you this:

Will your finances survive if/when a recession hits next?

(Here’s a hint:  They will after you read this and make the 9 best money moves to prepare for a recession.)

What Is A Recession?

So, like, what the heck even is a recession?

A recession happens when there is a large decrease in economic activity.

Or, in other words:  You enter into a recession when there are HUGE drops in spending.

…Such as when the world is hit by a pandemic that causes people to lose their jobs, stay home, and stop spending money.

But, there is good news:

You can prepare your finances for a recession and rebound strongly.

Just use these 9 tips:

How To Prepare For A Recession In 9 Simple Ways:

1.  Review Your Budget

To prepare your finances for a recession, start with the basics, such as your budget.

For starters, review your income and expenses to make sure you’re living within your means.

Then, create a zero-based budget to make sure that every cent you earn is being spent strategically.

Using a budget (like the zero-based budget) to help you spend your money on only bills, necessities, and savings will be HUGELY beneficial to you when a recession hits.

When preparing your budget for a recession, you also want to avoid unnecessary fees – like late fees on missed payments or overdraft fees.

So:

To avoid this, use a resource like our Budget Boss Binder to track your bill pay, personal spending, and bank account balance.

2.  Get Rid Of All Unnecessary Spending

When you’re preparing for a financial crisis, you need to stop spending money on things you don’t need.

Trust me:

That $5 you spend every morning on coffee and that $78 Target run are better spent in your savings account.

So, to get rid of your unnecessary spending, do these 3 things:

1.  When you’re preparing your budget for the month, don’t account for personal spending.  Pay your bills, buy your groceries, and that’s it!

2.  Switch to Chime Bank to get rid of ALL banking fees (and get a $50 free gift)

3.  Sign up for Trim who will scour your bank records to find subscriptions you didn’t know you were still paying for (and get rid of them!)

However much you save from these tips, move that money into your savings account to have on hand for the *hopefully unlikely* occasion that you are personally affected by job cuts or pay decreases due to a recession.

3.  Stop Paying Off Debt (And Do This Instead)

Ok.  I know what you’re thinking:

“I should stop paying off my debt?!”

And here’s the deal:

No.  You should not stop making your minimum debt payments.

But, in the event of a recession, you should stop pushing your extra cash towards paying off debt (like when you’re using the snowball or avalanche methods).

Instead, move the extra cash that you would normally put towards paying down debt into a savings account.

Bottom line?

When a recession hits, you just don’t know when you’ll need large sums of money on hand, so make your minimum debt payments but no more than that.

There is a silver lining though:

These are 9 things you're gonna wanna know when the 2020 recession hits.  Click to learn how to prepare for a recession so you can survive a recession!  Don't miss these recession tips.   Download your checklist, too! #recession #2020

Interest rates usually decrease during a recession.

So, you have 2 options to take advantage:

  1. Ask your lender to decrease your interest rate OR
  2. Consolidate your debt using a personal loan with a low-interest rate

Lowering your interest rates will decrease your overall debt, so it’s a win-win that you definitely should take advantage of when a recession hits.

4.  Increase Your Savings

When a recession hits, you want to:

a.) have a well-stocked savings account, and

b.) have as much money flowing into your savings account as ever before.

 So, if you don’t have one already, I highly recommend starting an emergency fund that would cover 3-6 months of wages.

To grow your emergency fund quickly, create a budget that automatically sends money to your savings account each time you are paid.

And, as I mentioned, get rid of your personal spending allowance and stop paying more than your minimum debt payments and put that extra money into your savings account.

Read Next…

Wouldn’t it be nice if your bills paid themselves and your savings account grew on autopilot?

Well, with this budgeting method, they can!

5.  Ride Out Your Investments

During a recession, stocks and other investments are bound to take a hit.

But, here’s the deal:

Don’t panic and make rash decisions about your investments just because you read some article floating around on the internet.

Yes, your investments are going to take a hit during a recession.

But:  They will improve as the economy improves.  So, if you withdraw your investments now, you’ll be losing money.  If you ride it out, you will see a better outcome over time.

And, better yet:

If you continue investing during a recession, you’ll be able to scoop up stocks at record low prices.  Then, when things turn around for the better (as they always do), you’ll see large returns on your investments!

A great way to get started with investing is with the Acorns app.

Using your spare change, Acorns helps you build a portfolio of exchange-traded funds.  All you need is $5 to get started here!

6.  Earn Extra Money

Having extra money flowing into your bank account is awesome all the time – but especially when a recession hits.

Because consumer spending drastically decreases during a recession, you might be subject to lay-offs or reduced hours.

This sucks.

But:

If you have multiple streams of income, you will fare much better during a recession.

To start bringing in extra income into your life, do these 3 things:

1.  Start a Side Hustle – Side hustles are the perfect way to earn extra money.  For instance, you could open an Etsy shop, start a YouTube channel, or rent out extra space in your home on Airbnb.  Honestly, the possibilities are endless when it comes to side hustles – simply use a skill you already have and profit off of it.

2.  Freelance – Another great way to profit off of a skill you already have is to become a freelancer.  You could become a freelance writer, editor, accountant, and more.  To find high paying freelance work, check out Fiverr, Task Rabbit, and Flexjobs.

3.  Blogging – You can turn a pretty profit from blogging if you do it correctly…like $10k a month!  Learn how to start a blog by reading this guide or buy a blog that’s already profitable.

Bottom line?

Get started earning extra income ASAP.  This money can fund your savings account for when a recession hits and/or be your safety net if you lose income due to a recession.  It’s a win-win, always.

7.  Reevaluate Your Interest Rates

I touched on this when we were talking about debt, but it is worth mentioning again:  When a recession hits, interest rates usually take a nosedive with the economy.

You MUST take advantage of lowered interest rates by doing these 4 things:

1.  Credit Cards – Reach out and ask your creditor to consider decreasing your interest rate to match current trends.  If this doesn’t work, consolidate your credit card debt with a personal loan that has a low-interest rate.

2.  Mortgage – Refinance your mortgage for a lower interest rate.  You can get a quote from Credible in just 3 minutes without affecting your credit score.

3.  Student Loans – Refinance your student loans for a lower interest rate with Credible.

4. Car Loans – If you have a car loan, work with your current creditor to lower your interest rate or shop around for better options.

Here’s the deal:

When you lower your interest rates, you’ll save tons of money in the long run – something that is invaluable when you’re in a recession.

8.  Earn Cash Back On Purchases

Did you know how easy it is to earn cash back on purchases you’re already making?

Seriously, there are apps out there basically handing out free money.

Here’s how they work:

You shop at the places you love, they give you money back automatically.

Use these 3 cash back apps to save money (and make money) on everyday purchases:

1.  Ibotta – Simply download the Ibotta app (and snag $10 free dollars), connect your debit/credit card, shop as usual, and earn cash back automatically on qualifying purchases.  You can withdraw your earnings using PayPal or Venmo!

2.  Rakuten (AKA Ebates) – Before online shopping, go to Rakuten.com.  Then, enter the stores you wish to shop at and earn as much as 20% back on all your purchases.  When you sign up today, you’ll get $10!

3.  Dosh – Just like Ibotta, Dosh will give you cash back automatically for qualifying purchases.  All you have to do is download the Dosh app, connect your debit/credit card, and shop as usual.  You can earn cash back at grocery stores, restaurants, and more.  Click here to sign up and score $5!

Bottom line?

Don’t let free money sit on the table when you could be sending it back to your bank account without even trying.

9.  Decrease Your Fixed Expenses

When a recession hits, you’re going to survive a lot longer when you don’t have as many bills to pay.

So, to prepare your budget for a recession, decrease your fixed expenses right now.

To get started, list out all of your fixed expenses.  Next, create a game plan for how to decrease every single one.

For example, these are the things I did to decrease my fixed expenses (plus some other helpful ideas):

1.   for a lower interest rate with Credible ( in only 3 minutes without hurting your credit score!)

2.  Begin paying your mortgage bi-weekly to pay it off quicker

3.  Ask your landlord for a rent decrease in exchange for signing a longer lease (we cut $100 off our rent when we signed a 2-year lease!)

4.  Get rid of cable (and WiFi if you have a mobile hotspot) (getting rid of both cable and WiFi saved us $140/month!)

5.   with a lower interest rate (I saved $150 a month by doing this!)

6.  Trade-in your current car (if you’re paying monthly for it) for a cheaper option

7.  Refinance your car loan for a lower interest rate (doing this cut my car payment down by $75!)

8.   to compare rates and switch to the cheapest option (this saved me $35/month!)

9.   to negotiate lower prices for your cable, internet, and cell phone bills

10.   for a lower rate or sign up for income-based payments so you only pay as much as you can afford

11.   to decrease your phone bill by over 50% (seriously, they have plans starting at $15/month!)

As you can see, I saved $500 a month by taking a few hours out of my day to decrease my fixed expenses.

Trust me:  It is well worth your time!

10.  Chill The Fuck Out

When a recession hits, it is easy to lose your cool and start to panic.

But:  Try your best to chill outtttt.

Because, here’s the deal:

When you make decisions based on impulse (because you’re freaking the fuck out), you don’t always think your decisions through.

You see, on impulse, you might end up withdrawing an investment that bounces back just fine — and then you’re SOL.

Bottom line?

A recession will come and it will go.  And it will be hard on some and harder on others.  But, a clear head always makes better decisions, so take a deep breath and chill the fuck out before doing anything cray!

(Honestly, this is a great time to start meditating and practicing gratitude!  There is always something to be grateful for, even when it feels like the world is collapsing in on you.  Find those moments of gratitude and focus on them instead.)

This might sound crazy, but:

You’re gonna be hella prepared for a recession now that you read this post.

Simply take one step at a time and do the hard work now so you aren’t screwed later.

And:

Download your free recession checklist by signing up for our resource library below!

  • 120
    Shares

you got this,

– michelle

P.S.  Was this post helpful?  Consider buying us a coffee to show your love <3

Buy Us A Coffee!Buy Us A Coffee!
These are 9 things you're gonna wanna know when the 2020 recession hits.  Click to learn how to prepare for a recession so you can survive a recession!  Don't miss these recession tips.   Download your checklist, too! #recession #2020
These are 9 things you're gonna wanna know when the 2020 recession hits.  Click to learn how to prepare for a recession so you can survive a recession!  Don't miss these recession tips.   Download your checklist, too! #recession #2020
These are 9 things you're gonna wanna know when the 2020 recession hits.  Click to learn how to prepare for a recession so you can survive a recession!  Don't miss these recession tips.   Download your checklist, too! #recession #2020

Keep reading…

5 Ways to Avoid Going Back into Debt

Finally clearing your debt is one of the best feelings in the world. The last thing you want to do is get snowed under again. If you’re worried you might fall back into the same old habits, then there are a few simple things you...

25 Money Related New Years Resolutions To Afford Your Best Year Ever!

25 Money Related New Years Resolutions To Afford Your Best Year Ever!

READY TO AFFORD 

THE LIFE OF YOUR DREAMS?

You've landed in the perfect place to budget better, save smarter, and make money from home.

Connect with our community and gain special access to our free library of printables, templates, and courses!

25 Money Related New Years Resolutions To Afford Your Best Year Ever!

  • 40
    Shares
Ah, 2020.

She snuck up fast, didn’t she?

I know you want to afford the best year of your life (cuz why wouldn’t you), and I’ve got a secret:

These are the five best budgeting methods.  I bet you're ready to afford your dream life. I know I was! That is when I transformed my finances, starting with my budget. These are the 5 best budgeting methods to help you afford your dream life. If you want to stop living paycheck to paycheck, pay down debt, or save more money, one of these budgeting methods will help you. Being responsible with your money means creating a plan. These budgeting methods are the best to do that. Click to discover which budget method works best for you.
Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.
You’re gonna need to make some money changes in 2020!

Because here’s the dealio:

To afford an epic 2020 (I’m talking bills paid, debt gone, savings up, vacations booked), you need to make some money New Years resolutions!

These are the best money new years resolutions to get started with next year:

1.  Start Budgeting

Having a budget will relieve tons of money stress that you don’t need weighing you down next year.

To get started with budgeting, read this post and choose a budgeting method that works best for you.

Once your budget is set up, don’t forget to track it throughout the month to make sure you’re sticking to it!

2.  Save money on expenses

If you take a gooood look at your budget, I’m willing to bet that we’d agree on this:

You’re wasting money each month!

Next year, vow to stop throwing your hard-earned cash out the window by saving money on your expenses.

These are my top 3 ways to save money on your expenses:

1.  Connect your bank accounts to Trim who will analyze your spending and negotiate lower prices for your bills. (I saved $150/month after signing up for Trim!)

2.  Switch to Mint Mobile to decrease your cell phone bill by $100+!  (Don’t worry, you can keep your current phone.)

3.  Use $5 Meal Plans to save tons of money on food.

Related Reading: 14 Ways To Save Mad Cash Every Month, Trim Review: Scam Or Legit?

3.  BECOME DEBT FREE

Debt is a total money sucker.  And, an unnecessary expense.

And, while debt can seem like a never-ending hole you’ll be trying to dig yourself out of forever, you’ve got to start somewhere.

Next year, use the debt avalanche method or personal loan consolidation to work towards becoming debt-free!

4.  Build an emergency fund

Start building an emergency fund next year to prepare for unexpected expenses, job loss, and more.

This emergency fund challenge is a great place to start for this money New Years resolutions!

5.  STOP USING CREDIT CARDS

Credit card debt can wreak havoc on your finances if you aren’t smart about paying back your balance.

And, unfortunately, most of us are using credit cards as replacement income and cannot afford to pay much more than our minimum payments.

This means one thing:

You’re spending wasting a crap ton of money on interest costs (and will for yearssss!)

So, next year, STOP USING CREDIT CARDS for good.

(Got credit card debt?  Use this guide to save money while paying it off.)

6.  SAVE FOR A HOUSE

Make a money New Years resolutions to challenge yourself to save for your dream home this year!

We’ll be doing it with you 🙂

7.  BECOME MORE FINANCIALLY RESPONSIBLE

Do you know exactly how much money you make each month?  How about how much money you spend each month?

If not, you could benefit from becoming more financially responsible next year.

Because, here’s the real deal:

If you don’t know how much money you’re making or spending, you aren’t making wise financial choices.

So, to afford your best year ever next year, organize your finances with our Budget Boss Binder and set yourself up for financial success!

SPECIAL OFFER!
SAVE $18 RIGHT NOW
When you act fast, you can download our best-selling Budget Boss Binder for only $9!  But, quick!  This deal ends tonight at midnight!

8.  START INVESTING YOUR MONEY

To start investing your money, you can:

1.  Use an investment app like Acorns to make investing super simple

2.  Invest in an income property that you can rent out or list on Airbnb

3.  Read this guide on how to start investing in the stock market

9.  CULTIVATE A POSITIVE MONEY MINDSET

Being rich (and affording your best life) all starts with your mindset.

This is crazy, but:

Your thoughts about money (i.e., “I don’t deserve to be rich,” “I am poor.”) will dictate whether or not you achieve your financial goals.

It really is true:  If you think you are poor, then you will remain poor.

So, next year, make certain that you crush your money goals by focusing on a positive money mindset!

You can get started by reading this post and saying these money affirmations.

10.  START SAVING FOR RETIREMENT

Start saving for retirement with a Roth IRA.

11.  BE MORE FRUGAL

Here’s the deal:

You can live frugally and still enjoy your life (and money).

Better yet:

You need to live frugally to afford your best life.

Look at it this way:  If you embrace a frugal lifestyle and save money on things like food and clothes, you’ll free up tonssss of money for things like vacations and experiences.

To live more frugally in 2020, read this ultimate guide to frugal living!

Read Next…
Who knew saving tons of money could be so simple?

Furthermore, who knew you were missing tons of opportunities to save money while buying the things you already do?

12.  DONATE MORE MONEY

Remember how I mentioned that your thoughts about money determine your reality with money?

Well, the same goes for your actions with money.

You see:  When you give your money away to charities you’re passionate about, people in need, or communities in despair, you’re showing the universe that you’re living a life of abundance, gratitude, and love.

And in turn, you’ll receive more abundance, gratitude, and love.

So, donate more money (or time) next year <3

13.  ORGANIZE YOUR FINANCES

Organize your finances like a boss in 2020 by using our 40+ page Budget Boss Binder!

14.  EARN CASH BACK FOR YOUR PURCHASES

Stop leaving free money on the table next year by earning cash back for your everyday purchases.

The best way to earn the most cash back is by doing this:

1.  Use Rakuten (Ebates) when shopping online to earn instant cash back on your purchases (You can also score cash back on in-store purchases by connecting your debit/credit card to your Rakuten account.)

2.  Download the Ibotta app and upload pictures of your receipts to earn easy cash back.

3.  Connect your debit or credit card to the Dosh app to earn instant cash back on eligible purchases (without doing any work!)

Doing these 3 things puts $100 (or more) back in my wallet every single month!

15.  STOP FIGHTING WITH BAE ABOUT MONEY

Ugh.  Fighting about money is so overrated!

Don’t let something silly like money ruin yours and bae’s relationship.

Instead, either work together to set up a budget or split your financial responsibility 50/50 to avoid future fights about whether or not you can afford that late-night Taco Bell run.

16.  FIND WAYS TO TRAVEL MORE ON A BUDGET

Do you wish you could travel more but don’t know how you could ever afford to?

Next year, do these 3 things to make traveling a priority in your life:

1.  Add a travel category to your budget where you put aside money specifically for traveling

2.  Use discount travel websites, Airbnb, and Groupon to save money on flights, hotels, and activities

3.  Create a travel saving plan to afford your ultimate dream vacation

Ahhhh, see ya in paradise cool

17.  TEACH YOUR KIDS ABOUT MONEY

It is never too early to start teaching your kids the value of a dollar.

(Honestly, I wish somebody had taken the time to teach me before I got my first apartment!)

Knowing how to budget and manage your spending is an essential part of life, so do your kids a favor and set them up for financial success at a young age.

This post will give you tons of ideas and activities!

18.  MAKE MORE MONEY

Making more money is always on my to-do list.  And that remains true as we head towards 2020.

Use these ideas to increase your income next year:

1.  Start a blog (make as much as $10k/month!)

2.  Manage a few side hustles

3.  Ask for a raise

4.  Switch careers

5.  Invest in an income property

6.  Rent out spare bedrooms on Airbnb

7.  Take surveys in your spare time

8.  Get paid to watch TV

9.  Purge your home and sell your stuff

10.  Postmate on the weekends (use code FL-XP1V7 at signup!)

Ballin’!

19.  SWITCH TO A BETTER BANK

Paying fees to your bank is sooo last year.

Next year, don’t be caught paying outrageous fees because you overdrafted your account by $2.37.

How, do you ask?

By switching to Chime Bank, of course!

But for real:  Chime won’t hit you with a fee when your account is overdrawn, there are no minimum account balances, and you will get your paychecks two days early when you bank with them.

Oh…and just when you thought it couldn’t get better, it does.

When you sign up for a Chime bank account, they’ll deposit $50 into your account! money-mouth

You can read more about why I love Chime in this post.

20.  REFINANCE YOUR STUDENT LOANS

Got student loans?

Get rid of them next year by refinancing them with Credible to lower your interest rate and reduce your monthly payments.

21.  DECREASE YOUR PERSONAL SPENDING

Do you know how much money you spend on fast food each month?  Trips to Target?  Coffee runs?

Get in the habit of tracking your personal spending next year.  (You’ll be shocked at how much money you’re spending!)

Then, you can redirect that money into a savings account for your next vacation!

(Our Budget Boss Binder includes spending trackers!)

22.  AUTOMATE YOUR BUDGET

Automating my budget was the best. thing. I. ever. did…(sorry kids!)

I [almost] never have to think about budgeting anymore since setting up an automated budget!

You can learn how to automate your budget by reading this post.

23.  TRY A NO-SPEND CHALLENGE

Do you think you could do a no-spend challenge for the whole entire year?

Hey, tell me I can’t and I’ll show you I can!

24.  INCREASE YOUR CREDIT SCORE

This is one of my favorite money new years resolutions:

Join the 800 club by working hard to increase your credit score next year.

You can do this by paying down debt, paying your bills on time, diversifying your loan history, and more!

25.  DON’T LET MONEY DICTATE YOUR HAPPINESS

Because we need money for what feels like everything, it can be difficult not to correlate it with happiness.

But, at the end of the day, we must all realize that money is not the most important thing in life and having a lot of it doesn’t automatically mean we’ll be happy.

So, in 2020, set money new years resolutions to continue improving your money mindset so you can be happy with what you have and open to receiving more abundance!

There you have it!  

The 25 best money New Years resolutions to afford your best life in 2020!

  • 40
    Shares
stay cool,
– michelle
P.S.  Was this post helpful?  Consider buying us a coffee to show your love <3
Buy Us A Coffee!Buy Us A Coffee!
2020 Budget Boss Binder (40+ Pages)
$9  $27
Budget By Paycheck Calendar Template (2 Pages)
$1.00
Zero Based Budget Monthly Template (2 Pages)
$1.00
MORE GOOD READS…

5 Ways to Avoid Going Back into Debt

Finally clearing your debt is one of the best feelings in the world. The last thing you want to do is get snowed under again. If you’re worried you might fall back into the same old habits, then there are a few simple things you...

read more