If you're feeling overwhelmed about where to start when it comes to finances, user-friendly budgeting apps can do some of the heavy lifting for you. These apps allow you to input all your financial details and generate a personalized plan. Some popular options include Honey Due, Empower, and Goodbudget. It's worth trying out a few different apps to find one that best suits your needs, so you can let the app - and your money - work harder for you in the new year.
The 100 envelope challenge is a savings system where you label 100 envelopes from 1 to 100 and save the corresponding amount each day for 100 days. By the end, you'll have saved $5,050. This challenge could be a great way to kick-start the first quarter of the year with some financial discipline.
While many people keep their financial goals private, 'loud budgeting' is all about being open and transparent with those around you. Telling friends that you're saving money for the future could inspire them to do the same. So, what does that look like? It can simply mean telling your friends you're unable to meet up for your weekly dinner because you'd like to hit your financial goals for the month.
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