**This is the Labor Day Post which I offer to my fellow teachers and educators. I’ve been in the academe for less than two years,
“Lending money is one tricky subject because it can make but more likely break relationships.”
The 50-30-10-10 Budgeting is a good starting point, but maybe you can try this budgeting method if you want to be more specific.
But what if you could spend them on other things that will give a positive return in the long-run, instead of spending on gifts and depreciating expenses?
Personal Finance should be “personal”. Match it with your needs.
Paying yourself first means to save first before spending.