Filing Taxes on a Low Income: Why It’s Worth Doing (Even If It Feels Pointless)
Welcome……… Let’s dig into filing taxes as a low income person. Oh joy! 🤔 Let’s be honest: if you’re living on a low income, filing your taxes probably doesn’t feel like a priority. Maybe it even feels pointless. You might think, “I don’t make enough to owe anything anyway,” or “I’ll get around to it […]
Embracing Now and Planning for Tomorrow: A Personal Finance Reality Check
Ever found yourself standing in a store, holding the latest techie gadget or kitchen appliance or post it note set and thinking, “Do I really need this?” Your brain starts running wild, one side telling you, “Go for it, you’ve had a tough week.” While the other side, the practical side, is reminding you about […]
💎 The Luxury Budget
The word “luxury” doesn’t belong to the rich.It belongs to anyone who’s ever lived without it. This isn’t about yachts and jets. It’s about being able to rest without panic. To choose without apologizing. To spend without the weight of guilt or fear riding shotgun. A luxury budget isn’t a flex. It’s not a finish […]
🧭 What a Lifestyle Budget Really Means
A lifestyle budget isn’t indulgence. It’s not “middle class.” It’s not a shopping spree. It’s what happens when survival isn’t eating up every second of your day—and you finally have just enough stability to think ahead. This isn’t where the hardship ends. It’s where breathing room begins. Nicole wasn’t thriving. She still couldn’t afford to […]
🥾 The Survival Budget: When the Goal Is Just to Stay Afloat
There’s no room for fluff here. A survival budget is the kind of plan you create when you’re staring down a week or a month of bills and the math doesn’t work. It’s not theoretical. It’s not about optimizing. It’s about getting through the week or month. And let’s be clear—this isn’t failure. This is […]
🧭 What Kind of Budget Fits Your Life?
Most budgeting advice assumes too much: steady income, low stress, and room to maneuver. But if you’re living close to the edge—or have been—it doesn’t feel like a plan. It feels like a performance. That’s why this framework was created.Not to shame anyone. Not to fix you.But to give language to what you’re already navigating—and […]
🔎 Behind on Bills
When you’re behind on bills, it can feel like everything is falling apart at once—and all the advice you hear just makes it worse. Most financial tips don’t help when you’re already in the red. You don’t need a lecture. You need triage. You need a way through the chaos that’s practical, shame-free, and built […]