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Energy prices

Energy Costs This Fall/Winter

Household energy costs are among the most important budget items for individuals and families around the world. Recent volatility in this market, especially in what’s often termed “the west,” (North America {NA} and the European Union {EU}), are driven by both global climate factors and geopolitical events that are beyond our individual control.  In this post, we’ll explore the
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cheap vacation, FIRE

FIRE Explained: How the Retire Early Movement is Shaping Worker Plans For the Future

They live in panel trucks and trailers on side streets and in the corporate parking lots of tech giants. They couch surf, or rent out their own bedrooms on Airbnb, camping in the back yard or under a desk at work. They’re young, unmarried, and unattached, living debt free, eating free meals, and scrimping for every penny. They talk
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layoff

Understanding and Preparing for Layoffs 

If you’re a younger millennial or a part of Gen Y, there’s a good chance you’ve yet to experience the unique joy of facing a widespread round of company layoffs. If you’re a GenX or even a Boomer, then you’ve been through times like this before, but never at your current age and station in life; so even though
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The Impact of Daily Habits on Your Budget: Part Two

Financial Habits For Success:  In their paper on financial planning in the Journal of Economics in 2003, Ameriks et al. posed the question of how households that begin with a similar level of wealth and income tend to diverge over time, with some becoming wealthier, while others did not. A leading indicator for future wealth was “propensity to plan,”
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goals, financial planning

The Impact of Daily Habits on Your Budget: Part One

Maintaining a sensible budget is about more than just limiting your spending. After all, there will be times in your life when you’ll be able to spend more and save money easily, just as there will be times when saving will be a struggle every month. In a way, your money habits are no different from your eating habits,
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stocks, bonds, financial markets

Financial Markets Explained: Stocks, Bonds, and Beyond

Mastering personal finance demands more than just maintaining a budget. Once you’re saving more than you make, and you have a comfortable emergency fund, you’ll need to start thinking about how to maintain and grow your wealth. Even though inflation may now be under control, we’ve still seen a period of relatively high inflation, that left the salaries of
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Streaming services comparison

BudgetBakers’ Big Book of VOD Streaming Services (2023 Update)

4 hours and 49 minutes – that is how much time the average American spends watching TV per day. Live TV accounts for 2 hours 53 minutes, time-shifted TV for 34 minutes, and on-demand streaming for 1 hour 22 minutes. That’s according to a report from Nielsen, a global data measurement firm.  According to their findings, 82% of viewers
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4 Costs That Surprised Me As A Wedding Guest

This summer I’m invited to a wedding. A good friend of mine is getting married to her longtime boyfriend. For the ceremony, the couple has chosen a beautiful small village in the southwest of Switzerland, close to where they live.  So lately I’ve been busy trying to find the perfect wedding gift for the bride and groom. That’s when
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What Inflation Means For You In 2022

Inflation is growing, and that’s not good news for your pocket money. But what is inflation, and what can you do to combat its effects?
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charity

How Much Should You Give to Charity?

How much should you give to charity? To save the reader any suspense, that isn’t a question we feel we can answer for you. No. This post isn’t about answering that question, instead, it’s about asking it. Many of us give to charity. Even more of us want to give to charity, and even more of us still just
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Scam

Money Scams You Should NEVER Fall For

If you’re a BudgetBakers customer, you’re probably smarter than the average person. That’s what our research tells us anyway. You may not be susceptible to the most obvious of marketing and money scams, but that doesn’t mean that even the smartest people don’t occasionally get hooked into something they don’t fully understand. That’s what today’s discussion is all about.
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8 Ways to Argue for a Raise This Year

Asking for a raise is never easy. It’s been quite a difficult couple of years for many of us. We’ve lost businesses. We’ve lost family members. We’ve lost friends, and some of us lost our jobs. That’s why now is the time to step up.  But with millions of people in the developed world seeking early retirement, and millions
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Avocado Toast

Your Millennial Money Advice is Annoying

We get it. The millennial generation is now the largest in the United States and in many other developed countries too. People born between about 1980 and 1997 are now the majority of new homebuyers, of new hires, new parents, and increasingly new political leaders as well.  A funny thing has happened though since their parents’ generations grew up.
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Money-Movies

7 Money Movies You Can (Actually) Learn From

Summer for my family means hot days hiding from the sun, warm evenings spent in our garden, and airy nights spent watching a film together on our home projector. So obviously I’m a big fan of movies, and having worked in the finance world for a long time in one capacity or another, I also have my favorite money
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Sunk Cost Fallacy

Sunk Cost Fallacy: Dealing with Loss

I have a confession to make. I’ve been living in denial for a while now. But it’s time to let go… The Sunk Cost Fallacy : How Not to Set Your Money on Fire It all started with a dream. I’ll admit, it was a silly conceit of mine. I had always wanted to own a BMW. In fact
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