You just graduated from college and have now joined the real-world workforce. Congratulations! Now you can really be the boss babe you are meant to be. 

At this point in your life, when you’re in your 20s, it’s easier to really prioritize spending for your business or career, and for the things you enjoy doing, like reading, traveling, hanging out with friends, and adventure trips. These are great ways to spend your money because why else will we work if not to enjoy life? 

There is one thing though that twenty-somethings fail to prioritize because they feel that they’re still too young. They fail to save and invest for their future. And by the time they start investing, rates are higher and it can be a struggle to keep up with those rates. 

Devising and starting an investment plan early is a great way to develop a safety net, plus you’ll get better returns by the time you retire. And there are a lot of advantages to investing early.

  • Your spending and saving habits will improve
  • You’ll be better prepared financially in case your finances become unstable 
  • You’ll be able to keep up with money inflation
  • Compounding returns will be to your advantage
  • Retirement will be less scary and can even happen earlier

What can you do now to start saving and investing early? 

  • Payoff your student loans and debts

Paying off your student loans and debts early helps you stay on top of your finances and helps you have more money later on. It’s so much better to have limited funds in your 20s to make way for more money in your 30s and 40s than to have more money now and struggle to pay off the loans, debts, and interest in the future. Paying off your debt now will also allow you to save more money that you can invest to have even greater returns!

  • Set savings goals. Set 5-10% of your income. Set Aside Money for Future Investments

Just as you sit down at the start of the year to set your new goals, set aside time to set your savings and money goals, too. Decide what amount you want to have by the end of the year. Then set aside 5 to 10% of your income. It’s always best to have automatic settings to transfer this amount to an untouchable account so you automatically save the money.  Once you get the hang of that, set aside a little more for future investments. 

  • Create a budget and track your spending. 

It’s always a good idea to start great money habits. Create a budget according to the amount of money coming in to your account. A good rule of thumb is to allot 70% of your income for your living expenses and debts, 20% to your savings, and 10% to your emergency fund. But if it’s not possible, have 10% automatically transferred from your main account to your savings account. And always track your spending so you know exactly how much money you have. Create a spreadsheet or use an app your phone to list down all the money you receive (from salary, gifts, winnings, bonuses, etc) and all the money you spent. It’s scary but necessary to create a healthy relationship with money. 

  • Set goals and make investments based on those goals. Research before you invest. 

If you want to start investing, do your research. Ask people you trust. Do a Google search. Join Facebook groups that focus on investing. Visit websites. Read the newspaper. Consult with brokers about your best options. Look also into investment life insurance, especially if you want low-risk options for now. 

  • Don’t keep up with the Joneses. Avoid debt as much as possible

While you’re in your 20s, avoid unnecessary debt as much as possible, which includes credit cards. If you must use it, think ten times before you need to use it. And when you’ve thought ten times, create a plan on how to pay it off without incurring too much interest. A lot of credit card debt is due to impulse spending. Cutting out the impulse spending at the onset will lead to better spending habits. 

Have you started investing? When did you start and how did you start? 

It’s always a good idea to practice better money habits as early as you can. Your friends might not understand your decision and your plan but it’s your life, boss babe. And you’ve got big dreams. You need to figure out the best way to live it, short-term and long-term.

Good luck!

Do you struggle to budget your monthly finances? Do you find the whole idea of budgeting stressful. challenging and too daunting?

Well if you feel all those, don’t fret because one you are not alone and two, there are a lot ways to make budgeting fun.

Most people think that budgeting is traditional and boring. For some, it means a nightmarish spreadsheet of all your fixed expenses and then making some arbitrary guesses on how much you “should”be spending on food, shopping, travel, etc. (Girlboss, 2017). 

It can be gruesome, yes and might entail some tedious work but believe it or not, good budgeting will help you a lot in the future. 

Why is budgeting important?

Before anything else, you have to consider the fact that proper budgeting can be a great first step toward financial stability and independence. A budget can also help you develop strategies to reach your short-term and long-term financial goals (Lynn, 2018) whether it’s about buying a new property, purchasing an existing business or investing into some mutual funds, etc. 

Aside from that, budgeting also prevents you from falling into serious debts. Most financial analysts believe that unexpected costs aren’t truly unexpected, believing that consumers know that unexpected expenditures will occur, but they simply don’t budget for them. Few people save for expenses such as birthdays, weddings, and even car repairs. They just aren’t thought of as budget-worthy expenses to most people (Lynn, 2018). By creating a well-plannedbudget schedule, you can prepare for almost any kind of unexpected expense.

So how do you make budgeting and finance planning fun and at the same time, successful? Here are some of the ways:

1. Go Tech and Use a Budget App

There are a number of good and user-friendly finance planning applications available for smart phones today. Most of them are free with some premium paid features. In general, these apps are very efficient because aside from helping you organize your funds in an orderly manner, they are also fully automated. The softwares can do quick calculations and keep record of income and expenses realtime.

2. Set your Goals

We all want financial freedom and that is basically the reason why we work our ass off and spend our entire day doing something that is profitable. The goal is to really be financially stable and even wealthy not just for ourselves but for the entire family. 

In budgeting, it is also very important to set inancial goals. What is your target savings by the end of the month? Do you need to pay off a credit card balance? How much can you spend for a new pair of shoes? 

Start by setting some goals for yourself; they don’t have to be big goals to start. In fact, it’s often better to set small, easily attainable goals so you can achieve them and get some quick wins under your belt (Lynn, 2018).

3. Make the Budgeting a Family Affair

You can let your parents or significant other know about your budgeting plans because they can help a lot in the motivation process. Aside from that, they can help you think of ways and alternatives in making the entire budgeting successful because they know you so well. 

4. Skip The Trend

Most of us, especially girls, tend to only buy things based only on what’s hot and trendy —which color got the most number of likes, which shade was worn by my favourite influencer, where to get the old groovy and baggy 90’s pants? 

Remember that the key to good budgeting is to only purchase whatever is necessary. So skip the trend and focus on your financial goals instead. 

5. Eliminate Distractions.

If you eliminate distractions, you will also eliminate the stress that goes with them! Wait until the kids are in bed before you start. Turn off the tv. Tidy up the area you’ll be budgeting in. Don’t leave reminders of unfinished tasks and projects around if you can help it (Lauren, 2017).

6. Treat Yourself Every Once in a While

Of course, cheat days are everywhere and when budgeting, things can very very stressful. Consider treating yourself every after accomplishment (can be a monthly thing) and learn to fill your cravings with the right food or the right relaxation, whichever is needed. 

However, take note that this could not be a frequent thing as creating and doing a budget isn’t easy and making a lot of extra expenses for unreasonable “treats”is not really acceptable. 

7. Change your Bad Thoughts about Money

Try changing your outlook on money through budgeting. You can make saving money a rewarding and satisfying task by prioritizing your spendings and accomplishing your goals. Look at money as a tool to help you achieve what you’ve always wanted instead of looking at money matters as a necessary evil that you must constantly wrestle (Lynn, 2018).

8. Plan an Early Entire Retirement

You probably have a bunch of questions now. Why do I need to plan ahead when I’m still this young? How could I spend a portion of my little savings/profit for that? Why do I even have to think of retirement this early?

It is true that retirement is like an end game but as the cliche goals, it is always best to plan things early. Think of the future. Learn to save some funds for future use. Seek professional help from financial experts especially when the money involved is of high value. 

9. Be Consistent. 

Make the budgeting task fun and consistent. Evaluate your budgeting performance and see how you can fair better next time. 

At the end of the day, remember that budgeting your money doesn’t have to be stressful. Learn to align your spendings with values, be creative and explore other options and see how everything will become different. Happy budgeting! 


Amateurs practice until they get it right. Professionals practice until they can’t get it wrong.

Have you ever dreamed of becoming rich? How great would it be if you have money that you can use to live a life that you always wanted? Just imagine that feeling!

Well, now can you imagine to be a millionaire in your 20s? For most, this question would be childish and wouldn’t make sense. And it is fair enough, I mean who thinks to be rich in the 20’s. However, my recommendation for those is; it is always better to bring changes earlier in your mindset for money.

The question is how to be rich in the 20’s and what are the ways to be rich in the 20’s. Well, you need to clear one thing, and that is you don’t need years of schooling or training to be a millionaire. Just with the right approach and hard work, you can achieve what you want to do. Similarly, it is essential to have confidence in your abilities to start a journey of becoming a millionaire.

So, today in this article, we will discuss the most effective ways to be rich in the 20’s.

The Best Ways to be rich in 20’s

Here is a list of the best ways that can help you to be rich in your early life stages.

  • Start getting profit from boring niches

It’s a common perception if you want to become a millionaire, then you have followed boring traditional niches. But it is not true! If you go for the traditional niches, it will take years for you to be rich like becoming a lawyer, doctor or banker. You need to push past this pre-conceived notion.

  • Don’t rely on college and graduate school

One thing is clear if you want to be rich, then you have to break all the traditional rules to become successful. You should not hold on a single type of job. If you go for the traditional learning ways, then it will not cost you money, put you in debt but also would be time-consuming. Other than this, you can learn everything online without paying tuition costs. So, don’t rely on college and graduate school to become rich.

  • Accept defeat and failures in your way

It doesn’t matter what you are considering to go with a career; chances are you will face some failures and defeat. You can make mistakes, and it’s normal. What is more vital is how you handle those defeats. Even if you face continuous failure, you don’t need to lose hope. All to do is keep faith in your struggle and do hard work until you get succeed.

  • Aim to earn more than $1 million

Money should not be your only aim. Instead, you need to pay attention to making more valuable products, and the money will surely come as a result of this effort. You’re aim should be growing your business to achieve your goal. However, you don’t need to feel like you are done working toward your goals. If you want to achieve $1 million, your next goal should be more significant than this.

  • Don’t Scam

Hey, please! Don’t go for the scam. You will meet many people who will recommend you doing scam as this is the only way to be a millionaire. This is not acceptable in any way, neither will it help you to get what you want. The primary key to make millions is honesty and patience. You always choose honesty as it is the best policy. The money that earns from illegal or unethical ways never lasts and never give you a status that you can use to get millions.

  • Take Advantage of hot sectors

If you have various options, then you should avail all of them as an opportunity. Right now certain areas are hot and from where you can make money. The only thing that you need to do is get the benefit of these opportunities to start making money. Social Media is what you can go to get what you want. There are platforms such as Instagram, Periscope, and Snapchat which you can use as a way to lead to the millions.

  • Don’t focus one next-generation Technology

There are many ambitious millionaires especially the rising young millionaires think that they should focus on the next-generation technology to make their fortune. Well, this is not the case at all. You don’t need to go for updated or advanced technology even you can create something unique from a boring idea with a new take. However, eBay is an excellent example of it.

  • Treat every purchase as an investment

Your behavior toward every purchase should be like it is an investment and will increase productivity. However, it is necessary to think twice before investing in anything. The reason is when you will buy a productive think it will directly impact your goal achievement.

  • Be faithful to your saving plans

The most straightforward way to be rich is to start doing the saving. Yes, it can help you in a long way. If you develop a habit of saving, then surely, you will get more than you deserve. So, all you need is to set your saving plan and set a fixed amount of money to initiate this process.

  • Educate Yourself

Your priority should be to educate yourself no matters what. Stop checking lottery numbers and start considering the best ways that can help you to be rich in the 20s. The best way is to go for educating yourself by reading the finance section of the newspaper. You have to keep yourself updated with the financial changes and so to make sound financial decisions.

So, these are some of the best ways that answer your question: How to be rich in the 20s? All you need is to focus on your aim and go for every option that can help you to achieve your goal towards earning.

   To get success, we must first believe that we can.






               As a famous quote said: “A penny saved is a penny earned.”

Well, it is the most common and frequently used financial bit in human history. However, just because it is a saying doesn’t mean it is fictitious. If you find it difficult to keep a balance between your earnings and spending habits-chances are you might be going to penniless soon. It is necessary to save money for retirement or a rainy day because you never know what will happen the next moment. So, practicing new saving habits is one of the great ways to sustain you, bottom-line.

There are millions of people who use to think that life is a one-time blessing and should live to its fullest. Well, no doubt about it and surely there is nothing wrong with it. But the thing is; your life demands some responsibilities from you too. To entertain those responsibilities you need to focus on saving your money.

Earning money is not a big deal but how you manage to spend it is what matters here. So, today in this article, we will learn how to stop living paycheck to paycheck. All you need is to read this whole article and follow all the steps that have been mentioned below.

Here are super-easy ways to boost your savings without changing your lifestyle.

7 ways to stop living paycheck to paycheck

There are almost 75% of workers who use to live paycheck to paycheck, so that’s mean you are not struggling alone to keep ahead of your expenses. Luckily, financial peace of mind is closer than you might imagine. So to give yourself a little space to breathe more openly, you need to create a budget list and reduce your discretionary spending. This way you can promote a better lifestyle.

  1. Cut back on your spending:

It is crucial to create a working budget and spend your month accordingly. This is the only possible way to save when you cut back on your spending. Once you learn how to keep control of your debt, you can have more money to spend each month. Well, this can be a bit challenging in the beginning, but with times, you will find it easy.

In this way, you learn to keep control of almost every category. Whether it is food cost or money that you spend on entertainment. So, give this solution a single chance and check the results.

  1. Set Money aside:

If you want to stop living paycheck to paycheck, then the best solution is to have money in your bank. Yes, by doing so, you can have money for your emergency. You can do this by taking your money out of each paycheck. It is always better to start with a monthly target and then go step by step. Just focus on setting money aside at the end of each month and live a stress-free month after that.

  1. Stop Using Credit Cards:

Another effective way is to get yourself out of debt. Yes, it is necessary to do because your debt is continuously eating up your paycheck. In such circumstances, you can’t even imagine doing savings. The reason is; you are putting money on credit cards which make you unable to do such things that you want to do the most. So, at the initial stage, you need to stop using credit cards at least till you entirely out of debt. This helps you to control and monitor your spending.

  1. Don’t rely on bonuses:

One of the foolish things that one can do is to rely on bonuses which your company offers for your performance. Remember these bonuses are not for a lifetime, you are being rewarded for your performance, and this income is not guaranteed. Your company can stop giving you bonuses at any stage. So, it is advisable not to put your expenses on the bonus you get. Instead, you can generate a spending plan for your bonuses. By doing this, you can pay down your debt and upsurge your emergency funds.

  1. Earn extra money:

Well, this is one of the proven ways you can go for. Earning extra give you saving edge in the hour of need. There are many ways to earn extra income today which can help you to keep extra income and balance your budget and start storing more savings. Driving Uber can be a great option but other than this, you can go for online freelancing platforms such as freelancer, Upwork, etc. With the help of these platforms, you can find an extra hour to work in almost any field imaginable. However, savings can go in a long way to save your future with the help of this super-charging extra money.

  1. You need to Invest Wisely:

It is necessary for you to invest wisely. You are probably not going to be financially free until you do right planning for retirement. Well, for those people just like me who can never understand the meaning of investing wisely should find some solution. So it is better to go for the financial advisors help. Yes, there are many financial advisors out there who can help you in investing your money wisely.

  1. Need to be brutal with yourself:

You have just made a saving schedule, and a list of dos and don’ts. But the story doesn’t end here. The thing which matters a lot is how strictly you follow the rules. One thing is clear; if you don’t focus on your current earnings and spending, chances you will find it difficult to manage things in old age. So, you need to be brutal with yourself when it comes to spending on things you love the most.

These are some of the best ways that you can use to stop living paycheck to paycheck. It is necessary for one to be strong enough and determine to do something. If there is a willingness to save money, then trust me nothing can stop you from achieving your goals.