I want to support rebuilding the nation's economy. Therefore, I am lowering my bookkeeping hourly rates from $50/hour to $40/hour, until further notice. - Manuel
I want to support rebuilding the nation's economy. Therefore, I am lowering my bookkeeping hourly rates from $50/hour to $40/hour, until further notice. - Manuel
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Finance Hacks that can Help Make You Rich

When it comes to becoming financially free, focusing only on one thing won’t help in the long run. What I learned from becoming aware of my personal finances is that you need to do not just one thing. A lot of things come into play, from saving to growing your money. 

You might work hard and play hard to reward yourself in return with nice things or maybe save portions of your money in the bank, but that alone won’t be enough. 

Below are some personal finance hacks. If you get these right, you don’t have to worry about saving money on coffee and other things ever again!


 1. Build (and Follow) a Budget That Suits You

Though budget isn’t exactly the sexiest term, it can really impact the way you spend your money. If you don’t learn to monitor and analyze your spending, how are you going to be rich? Make a monthly plan of how much you will spend in each category and based on your past spending. 

Fixed expenses

  •   Monthly Bills
  •   Transportation
  •   Insurance
  •   Mortgage, etc.

Variable Expenses

  •   Entertainment
  •   Groceries
  •   Shopping
  •   Tours, travels, etc.

Though there is limited control over how you spend on fixed expenses, you might need to reconsider your variable expenses. Any improvements you can make, stick to them!

2. Start Investing

Investing is the fundamental element that most entrepreneurs put emphasis on to grow your money. Just saving money in the bank is never enough to make you a fortune. Due to inflation, money loses its value. An amount of $50 today does not have the same value it had 10 years ago. Money loses its value every day. 

3. Seriously Plan to Save

Just thinking to save money will not make you rich or at least reach your targets. Take saving seriously by changing or fixing your lifestyle. 

There are many services available online and offline to get on the right track. Remember that savings are for your betterment and your future needs.

4. Pay Off Your Debts

Always focus on the important portions of your life which are squeezing your income into a drench. Try to solve your debts or clear your loans as early as possible. Debt is always tough, whether it is a small or a huge one.

Loans or debts are portions of your expenditure that look easy but are hard to solve.

5. Remove Easy Paying Credit Cards

Letting the credit cards take the action easily will put you in soup for no use. Whether it is a bad day or a good day, you will end up purchasing some unnecessary stuff if you have a credit card feasibility.


Frankly speaking, financial support and financial freedom are two wonderful things in life. The definition of financial freedom is different for various people in various categories. Imagine if you can purchase something without looking at the price tag—that financial freedom is what I am talking about! People should strive hard to achieve it and to continue their lives free from tensions.  

A backup plan is of utmost importance, and it is never too early to start to save. Teach your kids or try to help people to save for their future as well.

These personal finance hacks will help you solve issues and improve your financial status. Let me know if you have any more tips and tricks that you can add to the list. I’ll be happy to hear from you.

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