How to travel on a budget

Travelling is definitely one of the best things we can do. Discover new cultures, new ways of living and make so many new memories is so unique. But, it could also be quite expensive, so here are 5 tips to travel on a budget.

1.Know the best time of the year to travel

Avoid travelling on the holiday season, everything is more expensive around that time.

2. Buy the plane ticket in advance

Buying the plane ticket in months advance will make your trip less expensive.

3. Free fun

Research all the free fun you’ll get access to, like free museums, etc.

4. Book in advance

The activities that aren’t free and you really want to take part in, should be booked in advance. It will save you money and time.

5. Use public transportation

Instead of taxis or ubers, use public transportation, this will be a lot cheaper and a lot more fun because you’ll get to see more things and find better places.

I hope these tips were helpful for your next trip.

I’ll see you in my next post.

How to save money on groceries

On this post, I’ll be sharing with you 4 precious tips on how to save money on your groceries. There’s also a weekly meal planner available for you to download.

1.Plan your meals

Planning your meals will help you decrease the habit of buying unnecessary products. You’ll go to the shops knowing exactly what you need for your meals. I like to plan my meals weekly, so I made a printable to make your life easier! You can click here to download it.

2. Buy in bolk and freeze

This is a great way to save money because you won’t be going to the shops frequently to buy fruit and veggies, that way, you won’t be tempted to buy things you actually don’t need. Also, this really good to make smoothies and soup!

3. Make a budget

This is crucial. Knowing exactly how much you can spend on groceries will help you save so much money.

Tip: always try to stay under budget, you’ll get to use that money to buy other things or to add to your savings.

4. Avoid waste

Figure out the exact portions for you and your family. This way, you’ll avoid wasting food and end up saving a lot of money.

I also have a post on How to make a shopping list. It’s not only for groceries, but it will help you save some money as well.

I hope this post was helpful and, I’ll see you in my next post.

Different types of savings everyone should have!

In all of my budgeting posts, I mention frequently the importance of turning a big portion of your income into savings. This is a habit we should all have because if we hustle and plan ahead when we are young, our future will be more peacefully and we will be able to enjoy every moment with the people we love.

If you’d like to learn how to budget your income then you should read the posts I’ve written about it: How to budget your income, Beginners guide to the “Cash Envelope” system and the Beginners Guide to the “50/30/20” method.

These are the types of savings we should all have.

1.Emergency Fund

This an extremely important saving you should have. It will help you “survive” in a crisis. If, for some reason, you are left without a job or can’t work because of an illness or you might need to assist a family member, then having this money will make things less stressful.

It should be 6 months to a year worth of bills and debt payments, as well as groceries and other needs.

2. Investment

Having money on the side for future investments that will make you more money, is actually a really good strategy for the future. For example, it could be money to invest in a property so you can rent it and make it a source of passive income. It should be something to start thinking once all of the more urgent savings accounts are more secure.

3. Long-term Savings

This type of savings is meant for something that you know you are going to want or need in the next 10 years. It could be, for example, a house, certain debts covered, university funds for your children, etc.

4. Short-term Savings

If you’re planning, in the next 5 years, upgrading to a new or bigger car/house or for example you want to renovate your space, or even a holiday this is exactly the type of savings account you’ll need.

5. Retirement

This is probably the most important one because we know this is inevitable, we are going to retire someday and we’ll need a fund to live off. Since it’s something more down the road it means we have more time to save but it also means that we have an opportunity to save more and make our retirement less stressing and more enjoyable.

So these are the several account savings we should have. I know not everyone has an income that can cover all of this, but what I want to transmit to you is that even a small amount of money towards them, will have a really positive impact on your future.

Check 5 simple ways to make extra money if you’d like to have a few ideas to earn extra money.

Thank you for reading it and I’ll see you in my next post.

Beginners Guide to the “50/30/20” System

There are several budgeting techniques and it makes the process of choosing which one works best for us a bit overwhelming. So, my goal is to explain the several existing methods, in order to make your decision slightly easier.

I also have a Beginners guide to the “cash envelope” system, if you want to learn a bit more about it.

The 50/30/20 categories

50%- corresponds to every need you have throughout the month. These needs might be rent/mortgage, utilities, groceries, car payments, etc.

30%- corresponds to your wants. For example clothes, memberships, subscriptions, dining out, etc.

20%- corresponds to your savings.

How to budget according to this system?

1.Figure out the exact amount you can work with

I always start with this step in all my budgeting posts but trust me, this is crucial in for you to succeed at it. You need to know the amount that is left after deducting your taxes, social security, etc.

2.Calculate the amount for each category 

Income (step1) * 0,5= Needs

Income (step1) * 0,3= Wants

Income (step1) * 0,2= Savings

These will be the exact amounts you’ll be able to spend on each category.

Tip: try to stay under budget in the needs and wants categories, that way, you will be able to add more to your savings. Enabling you to create future investments, savings account, an emergency fund or even pay off any debt quicker.

Feel free to adjust the percentages if you think that will benefit you. Overall, it’s a really good method to start a budgeting journey and increase your savings.

Thank you for reading it, and I’ll see you in my next post.

Beginners Guide to the “Cash Envelope” System

The “cash envelope” method is a great way to save money, to pay off debt and even to build your retirement account. It’s actually an easy way of achieving some of your goals, you get to save for that dream holiday, for the house of your dreams, for the huge wedding you’ve always dreamt of or even to plan the move for the country you’ve always wanted to live in.

So, here’s how this method works:

1.Figure out what you can work with.

Start with your tax and expenses free income. Know exactly the amount you’ll be able to take out of your bank to use it on the envelopes. Keep in mind, some things are paid with your debit card, just make sure to incorporate them on your budget.

If you need help making your budget, you can read this post that I wrote on How to budget your income.

2. The categories

This step may be different from mine. I’ll give a few examples with my categories, but you should adjust them to your life. Mine are: Groceries, needs, knowledge investment and fun money.

3. Choose the envelopes

Try to get envelopes with different colours, this will help you memorize which envelopes correspond to which categories and also because they’re cuter! I use paper envelopes but there are other envelope systems, for example, the Dave Ramsey’s.

4. Fill your envelopes

Now that you know your budget and you have the categories on your envelopes, you can start filling them with the specific amount that you designated for each.

Don’t forget to leave the money meant for the things you’ll pay with the debit card in the bank.

5. What’s next?

Well, now you go shopping and only spend what’s in the envelopes. Some people like to just have their envelops when they’re going shopping. To be quite honest, it’s something that bothers me, so when I go shopping I take the amount from the specific category and put it in my purse.

6. At the end of the month

Whatever is left on the envelopes and on my bank account that I didn’t use that month, I put it into savings. That was key to sky-rocket my savings account.

I really hope you try this method. Thank you for reading it. I will see you in my next post.

5 Fun ways to save money

Here are 5 ways to save money. You will have access to 3 free printables. They will help you keep track of your savings and it will make it a lot more fun.

1.Save $800 in 20 weeks

You can click below and download this printable. You just need to mark off the amount as you go!

Click here to download it.

2. Save $1,820 in a year!

This is one of my favourites. If you save 5 dollars every day, at the end of a year you’ll be left with $1,820! It could be your emergency fund, for example.

3. The $120 Challenge

Every month put away 120 dollars and at the end of a year you’ll have gathered 1,440 dollars!

4. 12 week challenge

Save $300 with the help of this printable. You just have to download it. Have fun!

Click here to download it.

5. Save $1,270 in 6 months

With the help of this printable, at the end of 24 weeks you’ll have 1,270 dollars to spend on whatever you want.

Click here to download it.

I really hope you enjoyed this blog post, it was so fun to make these printables for you. Thank you so much for reading it, I’ll see you in my next post.

5 Simple ways to make extra money

Who wouldn’t want some extra dollars at the end of the month? In this post I’ll be sharing 5 simple ways to make money.

1.Sell your books

The books that you no longer read or have more than one copy (trust me, you’re not the only one!), you could sell them online or to those small second hand book fairs and make a few extra dollars.

2. Sell your clothes

I don’t know about you but I own a lot of clothes that I no longer use. They take up a lot of space in my closet. So, if you’re like me, selling them is the best option.

3. Sell old furniture

If you have old furniture that just taking up space and has no use, then this is a good option and you make money out of it! You can sell them to second-hand shops or to antique shops.

4. Create your own products

If you have any talent then you should take advantage of it and start creating your own products and sell them online. There are so many platforms where you can do it and you’ll be able to make really good money from it.

5. Become a Tutor

Regardless of where you are now professionally if you were good at any subject when you were in school, you should definitely give this one a try. You can even do it online!

I hope you found this useful! Thank you for reading it and I’ll see you in my next post.

5 things you should stop buying

We all are affected by consumerism, and everything is so reachable nowadays, that we often don’t realize how much money we are overspending on our day-to-day lives.

So, here’s a small list of tips you can incorporate in your routines, that will have a huge impact on your savings at the end of the month.

1.Stop buying coffee outside

You can make your own coffee and bring it with you instead. Those fancy coffee shops are usually extremely expensive, plus those drinks have too much sugar in it. Your health and your wallet will appreciate it.

2. Join your local library

If you’re as addicted to books as I am, you’ll find that at the end of the month you’re practically broke. To change this, I joined my local library. I pay a low monthly fee and I get to loan tons of books. You should definitely try it.

3. Get reusable water bottles

First, we all know that we need to drink a couple of liters of water per day. That equals 4 small plastic bottles. This isn’t just affecting the environment but is also making you overspend every day. If you get those reusable bottles, you’ll be saving both your money and the environment.

4. Quit or decrease dine outs

This is pretty self-explanatory. If you decrease going out for meals you’ll save more money, but obviously, don’t make this a strict rule, you can be flexible. The point is to save money but still enjoy life!  

5. Review your subscriptions

Go through your subscriptions and figure out what you actually consume. You should finish or adjust the ones that you are no longer using.

That is it, thank you for reading it. I’ll see you in my next post.

How to make a shopping list

This post will show you the best tips or hacks to make an efficient shopping list, in order to save money and not over buy.

1. Make an inventory
This might sound a bit crazy but trust me, it’s really helpful. Write down every single product you have. Make different lists: a food list (don’t forget to check the expiration date!), a hygiene list, a household list and a medicine list (again, check the dates).

2. Plan out your meals
Write down all your lunch ideas, dinner recipes and snacks that you’d normally have throughout the month/week, depending on the shopping list you’re making (a weekly or a monthly one).


3. Check your coupons
Go through your coupons and see if any of them match the items on your list, if they do, don’t forget to bring them (keep them close to your shopping list). See the expiring date of the remaining coupons. If they’re close to the end, you might want to buy the products on it, doing so you’ll be saving money and making the most out of the existing coupons.

4. Make the shopping list

Now that you finally gathered all of your data, you are ready to start writing down your shopping list. Write down all the needed items and have fun with it!


That’s it, I hope you enjoyed it and thank you for reading it. I’ll see you in my next post.

Top 5 tips to save money on your household

1. Buy reusable cleaning clothes
This will save you a lot of money. You’ll just have to put them in the washer once you’re done using them and it’s beneficial for the environment!

2. Figure out when it’s cheaper to do your laundry
Depending on the time of the day that you’re doing your laundry, you’ll be able to save energy and money. Just check your contract.

3. Buy your supplies only on sale
Get your supplies when they’re on sale, there are amazing deals and it will make you save so much money!

4. Have a little stack at home
This tip goes along with the previous one. When they’re on sale, instead of getting just one, get a couple and have a little stack of them. You’ll pay less for all of the products and you won’t have to worry about it every month.

5. Make some supplies yourself 
If you have the time, then you should definitely give this one a go! There are so many recipes online. They’re quite easy to make and I love making them, specially the all purpose sprays. This will save you a lot of money and it’s really good for your health and the environment.

Thank you for reading. I’ll see you in my next post.