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The Wise Budget
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Budgeting Money

The Best Budgeting Apps On Your iPhone in 2018

I love budgeting apps. I simply can’t emphasize that enough.

In fact, I’ve been using budget tracker apps for more than 5 years now. I started using one when I was in college and it was such a huge help to me that I never stopped using them. Because of my budget tracker app, I know exactly where I’m spending my money on, how much I’m spending, and when I spend the most (usually around the holidays, weekends, or celebrations).

September 23, 2018
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Budgeting Money Saving Money

I Have 4 Different Bank Accounts: Here’s Why You Should Too

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I have four bank accounts with two different banks.

I was still in college when I decided to open a new bank account in the same bank as my first account that I’ve had since I was in high school. When I told this decision to my dad, he immediately accompanied me to the bank.

To my surprise, the banker told me that it wasn’t such a good idea, at least not for my age.

August 18, 2018
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Budgeting Money Crushing Debt

Should You Get A Credit Card Or Not?

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When I was 19 years old, I worked for a few months for a small company in the business sector.

One day, one of my co-workers came up to me and offered me a credit card application form. She walked me through all the steps, telling me how easy it was to “get approved” by the bank. She said even a minimum-wage earner could get approved by this bank, so I would certainly get in, too. I skimmed the brochure she gave me, thanked her, and politely declined. I then watched her go to another co-worker, repeat the same spiel, and actually get that other woman to sign up.

August 8, 2018
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Hi, welcome to my personal finance blog! Call me Ai! I'm a freelance writer, blogger, small business owner, stock investor, and full-time fur momma to two darling puppies. Join me and let's embark on the journey to financial independence, the wise way!

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