58 Personal Finance Tips To Help You Save And Make Money (2024)

Written by: Alexis Schroeder

Publish Date: January 1, 2023

This post may contain affiliate links, meaning I receive a commission for purchases made through these links, at no cost to you.

Personal finance is a journey. No one is born knowing how to manage and make money.

My journey to paying off $40,000 in debt and working toward a $100,000 net worth goal didn’t happen in a day.

It looked more like an up and down rollercoaster where I finally reached the end to my first goal.

Here are the best articles on:

  • Starting a budget
  • Creating an emergency fund
  • Paying off debt
  • Saving money
  • Investing and retirement
  • Making extra money
  • Boosting your credit score
  • Paying off student loans

Start A Budget

These articles are all about creating a budget. I share the best and easiest tips to help you get started.

  • How To Create The Perfect Budget In 8 Steps
  • 4 Budgeting Tools To Perfect Your Budgeting System
  • My $1,348 A Month Budget
  • 7 Ways To Make Sure You Stick To Your Budget
  • EveryDollar Budget App Review

Emergency Fund

An emergency fund is crucial for any personal finance journey.

  • 5-Step Guide To Starting An Emergency Fund

Paying Off Debt

Paying off debt is a process, here are some articles to make the journey easier.

  • 7 Step Guide To Pay Off Credit Card Debt Fast
  • 10 Ways To Pay Off Your Car Loan Fast
  • 11 Best Personal Finance Podcasts

P.S. Sign up below for the FREE ultimate financial planner that includes printables like: debt tracker, income tracker, annual budget summary, savings challenges, financial goals, and debt thermometers!

Saving Money

Here are the most popular and helpful money-saving articles on my blog.

  • 15 Money-Saving Tips That Are Hurting You
  • How To Save Money On Groceries Without Clipping Coupons
  • 15 Proven Tips To Make Living In An Expensive City Cheaper
  • 50+ Student Discounts To Get Free Stuff
  • How To Get Overdraft Fees Waived
  • 25 Ways To Practice Self Care For Free
  • How I Saved $290 On My Phone And Internet Bill
  • 10 Tips To Save Money And The Environment
  • How To Save $1,000+ Per Year On Your Cell Phone Bill
  • 48 Birthday Freebies For Your Special Day
  • 9 Ways To Save Money On Car Insurance
  • 10 Secrets To Saving Money At Target
  • 9 Ways To Save Money On Pets
  • 10 Ways To Save Money On Your Next Car

Investing & Retirement

Investing and saving for retirement is a lot of fun. The earlier you start, the better.

  • Beginner Guide To People Completely New To Investing
  • Blooom Review | 401k Retirement Plan
  • How To Make Money Trading Stocks On The Robinhood App
  • How To Invest In Stocks The Easy Way

Make Extra Money

These articles are all about making extra money either with a side hustle or a new career.

  • How To Make Money Selling Printables On Etsy
  • How To Make $19 Per Hour As An Online English Teacher
  • How I Make $2,000 Per Month Running Facebook Ads For Businesses
  • How I Built A Six-Figure Career While In College And Working Full-Time
  • How To Become A Pinterest Virtual Assistant And Make Up To $50 Per Hour
  • How I Became A Virtual Assistant And Make $2,000+ Per Month
  • How To Find Real Work From Home Jobs
  • How I Make Over $10,000 A Month With These Side Hustles
  • How To Make Money As An Online Proofreader
  • How I Sell On Amazon FBA And Make A Full-Time Income
  • How I Make Full-Time Income From Home As A Bookkeeper
  • 10 Ways To Earn Quick Money From Your Phone
  • 5 Survey Sites That Pay Up To $500 For My Opinion
  • 7 Ways To Make Money Blogging

Fitness & Money

Fitness and money are highly correlated. Read these articles to save money on your health journey.

  • 10 Ways To Workout At Home For Free
  • How To Save Money On Healthy Groceries
  • 9 Easy Ways To Lose Weight On A Budget
  • Healthiest Foods For A Tight Budget

Student loans impact most people in the United States. Read these articles to create a plan to save money in and after college.

  • How To Graduate With Little To No Student Loan Debt
  • 7 Ways To Pay Off Student Loans Fast

Credit Score

Your credit score is one of the most important numbers to know. Read these articles to find how this 3-digit number impacts your life.

  • 10 Ways To Increase Your Credit Score
  • 5 Benefits of Improving Your Credit Score
  • 7 Reasons Your Credit Score Dropped
  • 10 Credit Score Statistics And How To Increase Yours
  • 7 Ways Your Credit Score Impacts Your Future

Extra

Here are some of my favorite articles on my blog!

  • 10 Best Lessons From Personal Finance Books
  • 31 Days To Transform Your Money Challenge
  • How I Made $80,000 My Second Year Blogging Full-Time
  • 10 Black Friday Tips To Save The Most Money
  • 10 Best Personal Finance Books To Read

Best side hustles (making $1,000+/month)

  • Sell printables on Etsy – Selling printables is the #1 side hustle to make money. This can be done on your own schedule and turn into passive income! You can earn over $10,000 a year selling printables.
  • Sell dog treats – Make $1,000+ selling dog treats from the comfort of your home. Be your own boss and make your own schedule.
  • Proofreading – Earn $20+ an hour proofreading from home. Great for people who enjoy editing and working from a computer.

What are you currently working on in your money journey?

Find this post helpful? Share it!

Free Printable Library

58 Personal Finance Tips To Help You Save And Make Money (1)

Join 20,000 others and get access to free printables related to achieving financial freedom, starting a side hustle, and other fun goodies!

58 Personal Finance Tips To Help You Save And Make Money (2)

Alexis Schroeder

Alexis Schroeder is the CEO and founder of FITnancials.

With budgeting and side hustles, Alexis paid off over $40,000 of debt and made over $100,000 in side hustles in college.

Since starting this website over 10 years ago, Fitnancials has reached over 3,000,000 readers. We’ve been featured on sites like Forbes, Yahoo, Side Hustle School, GOBankingRates, Mint, and many more.

If you want to contact Alexis, please send an email to [email protected].

58 Personal Finance Tips To Help You Save And Make Money (2024)

FAQs

What are the best personal finance tips? ›

  • Choose Carefully.
  • Invest In Yourself.
  • Plan Your Spending.
  • Save, Save More, and. Keep Saving.
  • Put Yourself on a Budget.
  • Learn to Invest.
  • Credit Can Be Your Friend. or Enemy.
  • Nothing is Ever Free.

What are the 5 steps to save money? ›

5 simple steps to start saving
  • Set one specific goal. Rather than socking away money into a savings account, set specific goals for your savings. ...
  • Budget for savings. Just because you decide to save doesn't mean it's going to happen. ...
  • Make saving automatic. ...
  • Keep separate accounts. ...
  • Monitor & watch it grow.

How can I save enough money? ›

28 ways to save money
  1. Automate transfers.
  2. Count your coins and bills.
  3. Prep for grocery shopping.
  4. Minimize restaurant spending.
  5. Get discounts on entertainment.
  6. Map out major purchases.
  7. Restrict online shopping.
  8. Delay purchases with the 30-day rule.
Mar 26, 2024

What does the 50 30 20 rule suggest that you budget your money into ___? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

What are the 5 basics of personal finance? ›

There's plenty to learn about personal financial topics, but breaking them down can help simplify things. To start expanding your financial literacy, consider these five areas: budgeting, building and improving credit, saving, borrowing and repaying debt, and investing.

What is the #1 rule of personal finance? ›

#1 Don't Spend More Than You Make

When your bank balance is looking healthy after payday, it's easy to overspend and not be as careful. However, there are several issues at play that result in people relying on borrowing money, racking up debt and living way beyond their means.

What is the 10 rule for saving money? ›

The 60/30/10 budgeting method dictates you should put 60% of your monthly income toward your needs, 30% toward your wants and 10% into savings. April 19, 2024, at 10:07 a.m. Balancing the desire to spend on needs, wants and savings has always been tricky.

What is the best savings strategy? ›

10 Savings Strategies
  • Pay yourself first. Treat your savings like a bill. ...
  • Make savings automatic. ...
  • Pay installments to yourself. ...
  • Collect loose change. ...
  • Manage credit wisely. ...
  • Track your spending. ...
  • Consider ways to cut costs. ...
  • Make a plan for lump sums.

How to make money quickly? ›

How to make money fast
  1. Test user experiences. ...
  2. Take surveys online. ...
  3. Sell stock photos. ...
  4. Sell other stuff you already own. ...
  5. Become a dog walker. ...
  6. Try pet sitting or animal care. ...
  7. Consider house sitting. ...
  8. Drive for a rideshare company.
Dec 13, 2023

How do you grow your money? ›

Fund your future.
  1. Keep money in an account with the potential to earn higher interest or returns. ...
  2. Give money enough time in the market. ...
  3. Don't give in to volatility. ...
  4. Don't let taxes cut into profits. ...
  5. Intentionally set aside money for investing. ...
  6. Rebalance or diversify your portfolio.
May 20, 2024

Which strategy will help you save the most money? ›

The 5 Most Effective Strategies To Save Money For The Future
  • Set Your Goals Early On. Setting a financial goal early on will boost you to stick to your savings plan. ...
  • Understand Your Cash Flows. ...
  • Open a Savings Account. ...
  • Rethink Debit Cards. ...
  • Monitoring Your Spending. ...
  • Revise Your Emergency Fund.

How do I pay myself first? ›

The "pay yourself first" budgeting method has you put a portion of your paycheck into your retirement, emergency or other goal-based savings account before you spend any of it. When you add to your savings immediately after you get paid, your monthly spending naturally adjusts to what's left.

How to manage money wisely? ›

7 Techniques to Manage Your Money Wisely
  1. Make a plan. Having a financial plan is about more than figuring out how much of your paycheck is left after the bills are paid. ...
  2. Save for the short term. ...
  3. Invest for the long term. ...
  4. Use credit wisely. ...
  5. Choose a reasonable rent or mortgage payment. ...
  6. Reward yourself. ...
  7. Don't stop learning.

What is the 30 30 30 rule personal finance? ›

One of the most popular rules, the 30:30:30:10 rule, can be applied both in terms of income planning, as well as pension planning. The income planning version says that you put 30% of your income towards day-to-day expenses, 30% towards investments, 30% for retirement savings and 10% for emergency expenses.

What is the 70 20 10 rule for personal finance? ›

The 70-20-10 budget formula divides your after-tax income into three buckets: 70% for living expenses, 20% for savings and debt, and 10% for additional savings and donations. By allocating your available income into these three distinct categories, you can better manage your money on a daily basis.

What are the 5 C's of credit personal finance? ›

The 5 C's of credit are character, capacity, capital, collateral and conditions. When you apply for a loan, mortgage or credit card, the lender will want to know you can pay back the money as agreed. Lenders will look at your creditworthiness, or how you've managed debt and whether you can take on more.

What is the 80% rule personal finance? ›

The rule requires that you divide after-tax income into two categories: savings and everything else. As long as 20% of your income is used to pay yourself first, you're free to spend the remaining 80% on needs and wants. That's it; no expense categories, no tracking your individual dollars.

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