Always Broke and Need More Money? Try These Simple Solutions

I don’t know about you, but one of the worst feelings in the world is thinking “I’m broke and need money”.  For some of us this may be an everyday feeling you have, trust me, I have been there, and most people at one point in their life have been there as well. The big […]

What Is a Sinking Fund? Only the BEST Way to Stay On Budget!

I’m not lying – having a sinking fund is literally the best way that you can stay on budget. I mean, sure – you could just go make a bajillion dollars instead but that’s not exactly a feasible path forward for most of us. So, what is a sinking fund? Before I get into the […]

18 Essential Money Saving Tips for When You Are Broke

Facing reality when you are broke is the only way you will get out. Being broke can be temporary if you accept your situation and work really hard to break out of it. As someone who waited tables for 3 years after graduating with a master’s degree, I’ve had to live broke for a while. […]

Save On Your Electric Bill with These Unconventional Tips

Sometimes it pays to be silly. If you’re willing to not take yourself too seriously, maybe some of these tips could help you save on your electric bill in ways you might not have thought. Before we dive in, let’s review the components of my electric bill which contributed the most to the cost. The […]

11 Surprising Ideas for How to Save Money On Vacation Easily

How many times have you wanted to go on vacation, but felt like you didn’t have enough money to afford it? The reality is—you might actually have enough, if you knew how to save money while on vacation. In this post, we’ll go over 11 easy ideas to help you save money on vacation. It […]

How to Utilize an Every Dollar Budget to Reach Financial Independence!

Before you get too far into this blog post, I just want to let you know that you should buckle up because I am absolutely going to fanboy over this budgeting strategy. I have tried various budget programs and processes and I think that the Zero Based Budget process is second to none, except I […]

A Big Rainy Day Fund = Getting Rich

Some people refer to the term Rainy Day Fund as being the same thing as an emergency fund.  Personally, that’s not at all how I view my rainy day fund and I think that there is actually a pretty significant difference between the two. It is imperative that all people have an emergency fund and […]

If You Forget These Personal Budget Categories, Your Budget WILL FAIL!

The easiest way to fail on your personal budget is to not plan.  That’s it – that’s how to fail.  Or, maybe you plan but your plan fails you.  To have an effective plan it all starts at the same point – making sure you have the correct personal budget categories included from the get-go. […]

Stop Bleeding Money with Activity Based Budgeting!

Updated: 6/7/22 Many of you know me as Doctor Budget, which I absolutely love, but I personally think one of the most important things for a doctor to do is understand that not everything in life is a one-size-fits-all approach. That being said, one of the approaches that I use in Doctor Budget is with […]

Simple Steps to Make Your Food Budget Work For You!

One of the biggest mistakes that I see with people is that they simply just lack a food budget. Honestly, that is absolutely mind-blowing to me because food is the third largest expense that people have behind their housing and transportation expenses, and quite frequently it can even be the second largest expense! Personally, I […]