Our blog is 1 year old! Thank you for helping us get here. So, what have we (the bloggers and our readers) learnt? lots of things. Most importantly, things that will make a difference in your personal finance matters and at the end of the day put more money in your pocket. Most importantly, a…
Start Budgeting for Christmas Shopping from now
It is early November and we are now less than 2 months away from Christmas, which is about enough time to do all your Christmas shopping. But instead of putting it all on your credit card this year like you have often done, why not start budgeting and saving for it from now? you have…
What are your biggest financial mistakes and regrets?
We all have our life mistakes and regrets. That crush you had on that girl in high school which you now look at as a waste of time. How about that decision to not finish high school? But what about your biggest financial mistakes, the ones that you have regretted till this day? We all…
Start Saving for your newborn before even leaving the pregnancy room
We all love the smell of a new car or the feeling of moving into a new house. But as a parent, there is no better feeling than that of having a new baby, especially if it is the first one in the family! Amid all the excitement and joy of having a new baby, parents…
Are you the next Greece?
When we hear of Greece, images of beautiful beaches and islands come to mind, if not all the great philosophers it gave the world. Unfortunately, as of late, hearing the word ‘Greece’ instantly brings images of people protesting in the streets, youth rioting in front of the parliament in Athens and other images of chaos. …
Family Budgeting for a Happier Life
Should a married couple have one family budget or should each do it on their own? To begin with, it is best that we have a budget, period. As to the question of what is better, a combined or separate budgets, that is up for discussion. Best way to Budget as a Family Most families…
Back to school Budgeting for Students
We are one day away from a new school year and it is time to do away with summer habits and rituals. It is time to focus on school and studying. School nowadays, especially colleges and universities, cost a fortune and that requires a budgeting plan by students to survive it financially. Budgeting and Working…
Is your Credit Rating about to be Downgraded like the US? It doesn’t have to…
The financial world and the stock market have been rocked by the downgrading of the US credit rating by Standard and Poors. Given the poor state of the US economy and the government’s recent infighting to reach a consensus regarding the debt ceiling in a short time, have all spelled an end to the United States…
What the ‘Debt Ceiling Increase’ debacle in the US has Taught us
The on-going ‘debt ceiling ‘ crisis in the US is a great example of why we need to have a budget and live within our means. If the government of the United States of America-the most powerful government of the most powerful country on earth- can’t meet its financial obligations due to ever increasing spending,…
Foolish ways of Using your Credit Card
Here at Budget Sense, we almost always recommend against credit card usage, unless in extreme and desperate situations. But of course, credit cards can come in handy in certain situations. But they can also be abused by being used to buy things that just don’t justify the purchase. What are some foolish ways of using…