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Crypto: Future imperfect

Welcome back to our two-part series on everything Blockchain: crypto, coins, ICOs, and other “decentralized finance” concepts. We’re primarily using two books as sources for this discussion: one by the Bloomberg writer Zeke Faux entitled Number Go Up, Inside Crypto’s Wild Rise and Staggering Fall, and Easy Money: Cryptocurrency, Casino Capitalism, and the Golden Age of Fraud, by the

Navigating Retirement Planning: The Pros and Cons of Retirement Savings Accounts in the US and Europe

Retirement planning is a universal concern today. The choice of a retirement savings account plays a pivotal role in securing financial well-being during one’s golden years. While the United States and Europe have different financial landscapes, both regions offer a variety of retirement savings options. Each has its own set of advantages and drawbacks. In this article, we’ll explore

Sustainable Investing: Balancing Profit and Environmental Impact

In recent years, the world has witnessed a paradigm shift in investment strategies. And that change is personified in younger investors. Today’s investors care about more than just monetary returns. Instead, they are increasingly considering the environmental and social impact of their portfolios. As the global community grapples with pressing environmental issues, sustainable investing has emerged as a powerful

Emergency Fund: Why You Need One and How to Build It

Life is unpredictable, and unexpected financial challenges can arise at any moment. Whether it’s a sudden medical expense, car repair, or unexpected job loss, having a financial safety net in the form of a fund is crucial. In this article, we’ll explore the importance of an emergency fund and provide practical steps on how to build one. The Importance

6 Smart Ways to Save on Energy in 2024

With energy prices around the world rising out of control, the biggest worry for households this winter is paying the energy bills. In this article, we’re going to talk about how to make sure you’re not overpaying for energy, with 6 simple tricks to reduce your energy footprint, and save on energy. So let’s get started! Know your Footprint

Setting S.M.A.R.T. Goals: A Simple How-To Guide

Welcome to the world of smart financial goal setting! Whether you’re looking to pay off debt, save for a vacation or a wedding, or build an emergency fund, having a well-structured plan can make all the difference. In this article, we’ll introduce you to S.M.A.R.T. goals, a technique that is a powerful framework to help you achieve your financial

11 Budget Friendly Ideas for Making a Difference

In a world that often seems increasingly complex and demanding, these words from Winston Churchill are a timeless reminder that the true essence of our lives is defined not only by what we accumulate, but also by the impact we leave on others. The desire to make a positive difference doesn’t have to be hindered by financial constraints. Whether

A Back to School Budgeting Guide For Teachers

Teaching is more than a profession; it’s a passion. It’s about nurturing the minds of the future and inspiring students to reach their fullest potential. However, the dedication and love teachers pour into their work are often accompanied by financial constraints that can be overwhelming. From classroom supplies to professional development, educators often find themselves navigating a complex financial

11 Ways to Get Rich Slowly

Everyone, -well, most people– want to grow their money instantly, or get rich slowly, even if we have unclear ideas about what that actually means, or why we actually want it. Even though BudgetBakers is a personal finance management company, we still believe that money doesn’t solve everyone’s problems overnight. At the very least, a healthy and happy relationship

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

11 Cheap Foods that are Surprisingly Good For You

Eating well and eating cheaply are seemingly contradictory goals for most people. But maintaining a healthy lifestyle shouldn’t have to come with a hefty price tag. In fact, some of the most nourishing foods for your body are also some of the most budget-friendly options available. So eating on a budget can be a picnic, if you know how

The BudgetBakers Ultimate Guide to Back to School

The lazy days of summer are fading away, and the back-to-school season is once again upon us. As parents and guardians, we’re not only navigating the shift from vacation mode to school mode, but we’re also faced with the challenge of managing our finances as we prepare our young learners for the year ahead. The return to school after

10 Modern Lifestyle Hacks to Live Better For Less

In a world where the cost of living seems to be ever on the rise, the pursuit of a fulfilling and enjoyable life doesn’t have to drain your bank account. In this fast-paced era, we often find ourselves juggling numerous responsibilities, aspirations, and dreams. While financial stability is a crucial aspect of our well-being, it doesn’t mean we have

10 Tips for Budgeting With Your Elderly Parents

Most BudgetBakers customers are still pretty young; between the ages of 22 and 38, but the same cannot always be said for their parents, many of whom are now in their twilight years. The baby boomer generation, born between about 1946 and 1964, are starting to enter retirement in large numbers, with about 10,000 retiring every day in the

Beyond Stocks & Bonds: Alternative Investments and Their Pros and Cons

In the ever-evolving landscape of investment opportunities, traditional options like stocks, bonds, and mutual funds have long held the limelight. However, as investors seek to diversify their portfolios and explore new avenues for growth, alternative investments have emerged as a captivating realm to consider. From venture capital and private equity to real estate and commodities, alternative investments offer an

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