What is Zero-Sum Budgeting [And How to Use it]

zero based budgeting

Do you know what the most challenging thing about budgets is? No, it’s not creating it. It’s having the discipline to stick to it. In most cases, this lack of discipline usually comes because everything is not accounted for so you have a lot of idle cash. That’s where zero-sum budgeting comes in. What Is …

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The 50/30/20 Rule: Is it the Best Budget for you?

It can feel impossible to stay on top of your finances and ensure that you manage your money correctly. Luckily, an easy-to-follow budgeting rule takes all the guesswork out of financial planning: the 50/30/20 budget rule. Let’s look at how it works and if it’s the right strategy for you. What Is The 50/30/20 Rule? …

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What to Put for Desired Salary

Woman signing a document while another woman is leafing through documents

In an ideal world, you’d get your desired salary without asking for it. But – in reality – that doesn’t always happen. In fact, when you’re filling out a job application, one of the trickiest questions to answer is what to put for a desired salary. It’s not always easy to know exactly how much …

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How to Ask About Salary in an Interview

Woman listening intently while a man is reviewing her resume

According to a survey by Strategic Human Resource Management (SHRM), 70% of professionals want salary to be the first message they hear from the recruiter, and 59% of candidates believe salary is the leading factor contributing to a feeling of having a fulfilling career. Yet, for many job seekers, addressing the subject of salary in …

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Is a $50K Per Year Salary Good?

Canadian and American money coins and bills on the table

With the rapid inflation and skyrocketing housing rates, living costs have increased. So, if you earn an annual income starting at 50K per year, you might wonder if it is the right pay for you. So, is a 50K salary good? Let’s find out.  Is a $50K Salary Good? Yes, a $50K salary is good …

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Is a $30K Per Year Salary Good?

Man counting dollar banknotes

So, you just got a new job offer, and the starting salary is around 30K. While you are eager to start working, you are wondering, is a 30K salary good enough to sustain me? How much an hour can you make with this salary? Let’s find out Is a $30K Salary Good? A $30k salary …

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How to Negotiate Your Salary

Man and woman in formal shirts shaking their hands in agreement

Although a few things are non-negotiable – like the soaring inflation rates and taxes – your salary package is, gladly, not among them. However, it is natural to feel uncomfortable negotiating salary once your job search ends and you have the offer you’ve been eagerly waiting for. Perhaps this explains why 59% of US employees …

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How Much Car Can I Afford Based on My Salary?

Salesman talking to a customer about the features of a new car

It’s no secret that owning a car is expensive, especially due to the rising levels of inflation in the automotive industry.  Between the initial purchase price, insurance, gas, and maintenance costs, it can be tough to figure out just how much car you can afford.  But with a little bit of math and some knowledge …

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What Is a Good Salary?

Person counting dollar bills while another person has a pink calculator and notepad

Judging your salary against someone else’s might seem tempting; but that approach, unfortunately, neglects several factors such as age, industry, and experience level. So, what is a good salary? And how can you determine whether you’re being paid well? Here’s a quick guide to evaluate your salary, identify a suitable pay range and – hopefully …

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ChooseFI: The Best Podcast Duo Spreading the FIRE


Have you ever stumbled across your favorite early retirement blogger and had your mind blown? One blog post, and you’re off to the races. Chasing the dream. You start off just wanting to cut back and make some adjustments.  Before you know it, nothing matters except reaching the Holy Grail… Financial Independence. You’ve set Financial …

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