Budget that sticks
Try 50/30/20 or envelopes — pick one approach and track weekly. Small consistency beats perfect plans.
Smart everyday shopping
Buy for frequency, longevity, and comfort — small upgrades save more over time than big impulse deals.
Emergency fund, calm mind
Start with $500 → $1,000 → one month’s essentials. Automate transfers; treat the fund like fireproof glass.
Debt plan you’ll follow
List balances, APRs, and minimums. Choose snowball (smallest first) or avalanche (highest APR). Automate what you can.