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Budgeting apps vs pen and paper
There are many great budgeting apps. However, apps can be frustrating and boring to use, or we may just get lazy.
Sometimes a pen and paper work best because it gives you a hand in your budget. With this method, you can also change your budget when you need to include extra expenses.
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When mortgage interest rates get low, refinancing isn't always the best choice.
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The popular 50/30/20 rule states that you should reserve 50 percent of your budget for essentials like rent and food, 30 percent for discretionary spending, and 20 percent for savings.
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