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          • Complete Guide to Start Investing
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          • Complete Guide to Credit Cards
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  • Books to Read
    • Best Behaviorial Finance Book

      The Psychology of Money – Morgan Housel

      This is the one of the greatest money books ever written for novices and pros. Morgan has an amazing ability to take the complicated and make it simple and interesting. It’s a must-read.

    • Best for Long-Term Investors

      The Little Book of Common Sense Investing – John C. Bogle

      John Bogle, the founder of Vanguard, invented index investing. Then he wrote the book on it, literally. This short book explains everything you need to know about getting market returns for the long-term.

    • Best for Getting Out of Debt

      The Total Money Makeover – Dave Ramsey

      Anyone that is drowning in debt and looking to make a major change should pick up a copy of his book. He teaches the Debt Snowball method for paying off your debt as fast as possible.

    • Best for Those Seeking Wealth

      The Millionaire Next Door – Thomas J. Stanley

      Most American millionaires don’t live in mansions or drive expensive cars. This book teaches you the truth about how to build weath, and dispels the myths surrounding today’s millionaires.

  • Recommended Services
6 Steps to Financial Freedom

Personal Finance: Budgeting, Saving, Debt and More

Personal Finance: Budgeting, Saving Debt and More

"If you fail to plan, you are planning to fail."

-Benjamin Franklin

Personal Finance

A ship without a rudder is at the mercy of the ocean, drifting wherever the wind and tide takes it. The same is true for people that don't have a plan for their finances. They make money and spend money with no clear path or objectives they are trying to achieve. This leaves them making financial decisions based on wants and impulses, rather than what gets them closer to their goals.

You probably didn't learn much about personal finance in school, but if you were lucky, you had parents that knew a thing or two you could learn from. If you're like most people, however, you were likely ill-prepared for the realities of personal finance when you finished school and started earning a paycheck.

The truth is its not that hard, it just takes knowledge and discipline. Whether you are drowning in debt, haven't started saving for retirement, or just want to get on the right path, you can still achieve financial success.

To get started, read some of the articles below or check out 6 Steps to Financial Freedom.

Latest Articles About Personal Finance

How to Increase Your Net Worth

March 8, 2022

How to Increase Your Net Worth

There are many measures of financial success. For example, you might look at your income, savings, investments, or a real estate portfolio to gauge

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How to Reduce Household Expenses

March 1, 2022

How to Reduce Household Expenses

There are certain fixed costs associated with living in your home. And while some items like your rent or mortgage are relatively stagnant, other

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Save Money by Lowering Your Energy Bill

August 20, 2021

Save Money by Lowering Your Energy Bill

If you’ve already reduced discretionary expenses like shopping and eating out, you may now be looking for ways to reduce your necessary monthly costs.

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What Triggers an IRS Audit

August 2, 2021

What Triggers an IRS Audit?

Getting audited by the IRS is a scary idea. It conjures up images of people in suits showing up on the doorstep to demand answers, and it might stress

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What Factors Impact My Credit Score

July 2, 2021

What Factors Impact My Credit Score?

Your credit score is one of the most critical scores you’ll have in your adult life and so you must understand what factors impact your credit score.

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March 24, 2021

Complete Guide to Budgeting

For many people, budget might as well be a four-letter word. Budgeting reeks of pain and sacrifice. But if done properly, living on a budget doesn’t

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Earn Money on Social Media

December 1, 2020

How to Earn Money on Social Media

Between Instagram, Facebook, Snapchat, TikTok and Twitter, social media is everywhere. Whether you’re posting your favorite dog picture, or connecting

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Combine Finances With Partner

November 16, 2020

Should You Combine Finances With Your Partner?

You’ve finally met the right person. You look forward to sharing a future, a home, and a life together. But what about sharing your money? Whether or

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When to Take Social Security

November 13, 2020

When to Take Social Security Benefits

One of the most commonly debated questions surrounding retirement planning is when to take social security benefits. Unfortunately, given the nature

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Proper Cents is part of the Waaz Media family, and focuses on educating individuals and families about all things related to personal finance.

The mission of Proper Cents is to give a little boost to those looking for a brighter financial future.

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