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How to Travel Without Debt: Smart Budgeting Hacks for Your Next Vacation

Posted on July 6, 2025July 9, 2025 by budgetsense

If your next vacation is costing you and the family over $5K but have almost none of that saved, and plan to put it all on debt, stop! Yes, stop! Cancel it if you have already booked it, assuming there are no big penalties. If you haven’t booked it yet, thank goodness, that was going…

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You Might Be Losing Thousands on These ‘Convenient’ Services—Here’s How to Stop It

Posted on June 29, 2025July 7, 2025 by budgetsense

When the Covid pandemic lockdowns forced us to stay home for months and months, one of the companies to benefit the most were food deliveries such as Ubereats and SkipTheDishes. They made it so convenient to order food and relieve you from all the hassle of having to go out for grocery shopping and making…

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I Was Offered a Premium Credit Card—Here’s Why I Turned It Down

Posted on June 22, 2025July 7, 2025 by budgetsense

A few days ago, I received a letter in the mail—a great credit card offer from one of the Big Five banks. At first, I thought, “This is too good to pass up. I should go ahead and accept it.” But then I paused. A little voice in my head reminded me: You already have…

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The 50/30/20 Budgeting Strategy Revisited: Your Autopilot Path to Wealth

Posted on June 15, 2025June 14, 2025 by budgetsense

The 50/30/20 finance ratio – or a way to budget – is something we talked about last year, where you dedicate 50% of your income to needs, 30% to wants and the remaining 20% goes towards your savings and investments. This breakdown is simple, effective, and ensures that your essentials, lifestyle choices, and future financial…

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How One Concept from Neuroscience Explains Your Financial Setbacks

Posted on June 8, 2025June 14, 2025 by budgetsense

Ever heard of ‘Attention Residue’? The idea is that after a distraction – say a phone call or checking social media – it takes the average person about 20 minutes (often cited as 18 to 23 minutes) to fully regain focus on the original task. This is commonly known as “attention residue” or context switching…

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Beyond the Burger: How $15 Can Feed Your Mind Instead of Your Cravings

Beyond the Burger: How $15 Can Feed Your Mind Instead of Your Cravings

Posted on June 1, 2025June 1, 2025 by budgetsense

Next time you’re eyeing that fast-food drive-thru, pause for a moment and consider this: “Sure, this meal might taste good for a few fleeting minutes, but what happens after that?” The reality is, there will likely be health consequences, whether it’s the excess fat, sky-high sodium, or heavy carbs. It’s junk food, after all; what…

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3 Reasons why your Friends ‘Seem’ to be Doing Better than you Financially

Posted on May 25, 2025May 26, 2025 by budgetsense

One of the dominant traits of wealthy and financially successful people is that they don’t care what others are doing, nor do they go out of their way to try and financially impress their friends and peers. If anything, their very success is often built on doing things with their heads down, nothing flashy, and…

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This Simple Trick will get you Started and be Comfortable with Budgeting Even if you Hate it Now

Posted on May 18, 2025May 17, 2025 by budgetsense

Let’s face it—budgeting isn’t for everyone. No matter how much you preach its benefits, some people will never follow or practice it. To many, it’s boring, restrictive, and just not sexy enough. Honestly, I’m sure some would rather go bankrupt than follow a spreadsheet that tells them how much they can spend and where. Want…

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This Financial Tool Could Either Ruin Your Life or Make It Great—It All Depends on How You Use It

Posted on May 11, 2025May 10, 2025 by budgetsense

As I stood in the express checkout line at Walmart the other day, tapping my card and quickly making my way out, it hit me. Credit cards have made life a lot easier, more convenient, and even more enjoyable. You can buy what you want—even when you don’t have cash on hand—and delay payment until…

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Building Resiliency and Guardrails into your Credit Card Usage to Prevent Overspending

Posted on May 4, 2025May 2, 2025 by budgetsense

So you finally did it: after years of diligently and painstakingly paying to reduce your $15,000+ credit card balance, you have finally done it. To say that the weight lifted off your back is huge is an understatement! There is only one problem: this balance was incurred after having already paid a similar balance a…

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Recent Posts

  • How to Travel Without Debt: Smart Budgeting Hacks for Your Next Vacation July 6, 2025
  • You Might Be Losing Thousands on These ‘Convenient’ Services—Here’s How to Stop It June 29, 2025
  • I Was Offered a Premium Credit Card—Here’s Why I Turned It Down June 22, 2025
  • The 50/30/20 Budgeting Strategy Revisited: Your Autopilot Path to Wealth June 15, 2025
  • How One Concept from Neuroscience Explains Your Financial Setbacks June 8, 2025
  • Beyond the Burger: How $15 Can Feed Your Mind Instead of Your Cravings June 1, 2025
  • 3 Reasons why your Friends ‘Seem’ to be Doing Better than you Financially May 25, 2025

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