30-30-30-10 Budget Rule – How it can work for you

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Need a budgeting system that works but not sure which option is the best? We all know budgeting can help us save money and stop going into debt. And I’m sure you want to save more money too.  But maybe one of these roadblocks keeps getting in the way: thinking “I’m not good at math”  […]

6 Cheap Travel Tips to Save Money on Vacation

Ready for a vacation? Planning a vacation that’s not a budget buster (but also not a no-fun, do-nothing waste of time) can be a challenge.  Whether you were traveling by road or air in 2020, you were treated to a number of discounts on everything from gasoline to lodging to airfare.  Now, prices are soaring […]

What to do with Your Tax Refund: 4 Smart Ideas

what to do with your tax refund

Spring is (almost) in the air, and that means a young person’s thoughts turn to…  filing taxes.  An older person’s thoughts, too.  And if you’re middle-aged?  Same thing. As April 15 approaches (now extended to May 15), you’ll be faced with two possibilities:  you’ll owe something (hopefully not much) you’ll be in line for a […]

How to Create a Zero Based Budgeting Template

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What if you had a simple budget template to track your money? You’d know… How much you spend on groceries Can you afford to buy a house? Are you actually saving money? Why you’re not saving money Will you be able to retire early? All of this, and SO MUCH MORE can be tracked and […]

How To Maintain A Budget On A Low Income

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Author Bio – Hey, I’m Chris. I have a degree in Business Economics from the University of Liverpool, own a small fast food business and run LifeUpswing.com. I will help you to make money, save money, and think about money in a way that will give you back your freedom. If you are living on […]

Digital Cash Envelopes: How to Save Money with Qube Money

Feature Image Digital Cash Envelopes

Want to save money, but cash envelopes aren’t working? What if you could save money without using the traditional cash envelope system. Maybe you’ve heard people raving about how much money you can save with cash envelopes. I first heard about them from the Dave Ramsey blog back in 2013. But… carrying around cash is […]

4 Reasons Why We Switched to an Online Savings Account

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Are you missing out on free money? Maybe. But that doesn’t mean you can’t start earning more money this month.  By making one simple switch, we’ve made an extra $45.12 in free money this year. I know it doesn’t sound like much, but it’s a lot more than we would’ve earned if we didn’t switch […]

7 Ways You Can Support Racial Equality

Want to support racial equality or Black Lives Matter, but don’t know where to start? It’s hard to know, especially as a white person, what is actually supportive and if my dollars are going to the right places. But… I’ve found a few impactful ways anybody can support racial equality in your community and across […]

My Superpower to Help You Save Money

say no and save money

What if you had a secret power to save more money? We all know saving money can be hard.  It’s no wonder that so many people barely have $500 in their savings account. There is pressure everywhere telling us to spend more money, and buy more things. And so many times I want to spend […]