https://www.imperfectbudget.com/blog daily 0.75 2025-09-25 https://www.imperfectbudget.com/blog/ditch-these-5-normal-money-habits-to-improve-your-finances monthly 0.5 2025-11-04 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/155d2114-af69-4336-abb1-471e399f7b88/profile+pic+9-24.jpg Blog - Ditch These 5 “Normal” Money Habits to Improve Your Finances - Make it stand out Katherine, founder of Imperfect Budget https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1758832879374-W7MVW0QUGOBKPP76RGRN/unsplash-image-_3Q3tsJ01nc.jpg Blog - Ditch These 5 “Normal” Money Habits to Improve Your Finances - Make it stand out The $5 purchases may seem innocent, until you reach the end of the month wondering… where did all my money go?? https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1883d857-8481-459e-9038-4ed3b3cea462/Copy+of+Your+paragraph+text+%282%29.png Blog - Ditch These 5 “Normal” Money Habits to Improve Your Finances - Make it stand out Cost per use helps you figure out the true cost of a purchase. https://www.imperfectbudget.com/blog/the-scariest-money-advice-ive-ever-heard monthly 0.5 2025-10-21 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/155d2114-af69-4336-abb1-471e399f7b88/profile+pic+9-24.jpg Blog - The Scariest Money Advice I’ve Ever Heard - Make it stand out Katherine, founder of Imperfect Budget https://www.imperfectbudget.com/blog/financial-dos-and-donts-of-a-new-job monthly 0.5 2025-07-29 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/4209e599-44e8-4ebf-8bba-beca1204b65e/Your+paragraph+text+%2820%29.png Blog - Financial Do’s & Don’ts Of a New Job - Make it stand out An employer 401k match is essentially “free money”. The catch is YOU have to contribute first. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/155d2114-af69-4336-abb1-471e399f7b88/profile+pic+9-24.jpg Blog - Financial Do’s & Don’ts Of a New Job - Make it stand out Katherine, founder of Imperfect Budget https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/cfa1680e-2625-4770-ad37-34718177e02b/Your+paragraph+text+%2821%29.png Blog - Financial Do’s & Don’ts Of a New Job - Make it stand out Your emergency fund should be 3-6 months of necessary expenses. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/810179d4-51b9-4f76-8e12-872330ed0c52/Your+paragraph+text+%2819%29.png Blog - Financial Do’s & Don’ts Of a New Job - Make it stand out Creating a basic spending plan using the 50/30/20 rule is a great way to evaluate your salary offer. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/fc6d10fd-2d7f-4d1b-bebe-afebb661a4df/Your+paragraph+text+%2818%29.png Blog - Financial Do’s & Don’ts Of a New Job - Make it stand out Starting a new job is the PERFECT time to check in on your finances - and re-evaluate your goals. https://www.imperfectbudget.com/blog/get-an-800-credit-score monthly 0.5 2025-07-15 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/de2b6e98-19e3-4090-904b-a17036de088b/Let%E2%80%99s+say+you+are+buying+a+home+and+take+out+a+30+year+mortgage+for+%24400%2C000+with+a+4%25+fixed+interest+rate.+Over+the+course+of+the+30+year+loan%2C+you%E2%80%99ll+end+up+paying+%24287%2C478.03+in+interest.+But+i+%281%29.png Blog - Get An 800+ Credit Score - Make it stand out You can improve your credit utilization with NO change to your spending habits! https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/155d2114-af69-4336-abb1-471e399f7b88/profile+pic+9-24.jpg Blog - Get An 800+ Credit Score - Make it stand out Katherine, founder of Imperfect Budget https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/4b8920d1-6ca2-4473-a0c4-2011f0e717bb/Untitled+design+%2838%29.png Blog - Get An 800+ Credit Score - Make it stand out FICO scoring ranges from 300-850. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/5fadb1ac-b2a7-401c-a122-0d080b4585ce/Let%E2%80%99s+say+you+are+buying+a+home+and+take+out+a+30+year+mortgage+for+%24400%2C000+with+a+4%25+fixed+interest+rate.+Over+the+course+of+the+30+year+loan%2C+you%E2%80%99ll+end+up+paying+%24287%2C478.03+in+interest.+But+i.png Blog - Get An 800+ Credit Score - Make it stand out Even something as small as a half percentage point can make a BIG difference in what you pay! https://www.imperfectbudget.com/blog/stop-budgeting-start-building-a-money-system-that-actually-works monthly 0.5 2025-07-01 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/5ecdf347-ce8a-409a-98b0-f63c4994a556/20240902_095534.jpg Blog - Stop Budgeting. Start Building a Money System That Actually Works. - Make it stand out My husband and I on our own National Parks trip - September 2024. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/c00eb861-2437-4971-80f2-c3193443044f/Copy+of+Copy+of+Copy+of+Copy+of+Copy+of+Copy+of+Copy+of+Untitled+Design.png Blog - Stop Budgeting. Start Building a Money System That Actually Works. - Make it stand out Your money should flow from the top down - paying your bills first, then saving & investing, and then you get to spend what’s left! https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/155d2114-af69-4336-abb1-471e399f7b88/profile+pic+9-24.jpg Blog - Stop Budgeting. Start Building a Money System That Actually Works. - Make it stand out Katherine, founder of Imperfect Budget https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/d086017c-f70a-4247-aee9-c685ba4ce1d5/Untitled+design+%2834%29.png Blog - Stop Budgeting. Start Building a Money System That Actually Works. - Make it stand out Nothing upsets me more than Nick’s box of bills shoved in the back of his closet! https://www.imperfectbudget.com/blog/5-money-lessons-no-one-teaches-women monthly 0.5 2025-06-17 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/155d2114-af69-4336-abb1-471e399f7b88/profile+pic+9-24.jpg Blog - 5 Money Lessons NO ONE Teaches Women - Make it stand out Katherine, founder of Imperfect Budget https://www.imperfectbudget.com/blog/7-things-i-wish-i-knew-before-buying-my-first-car monthly 0.5 2025-06-03 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/2709deb6-e432-45a2-848d-7bda9b3adf94/profile+pic+9-24.jpg Blog - 7 Things I Wish I Knew Before Buying My First Car - Make it stand out Katherine, founder of Imperfect Budget https://www.imperfectbudget.com/blog/the-connection-between-self-worth-and-net-worth monthly 0.5 2024-12-24 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8f3c4140-0c39-42a4-9e2b-243b464a6901/profile+pic+9-24.jpg Blog - The Connection Between Self-Worth and Net-Worth - Make it stand out Katherine, founder of Imperfect Budget https://www.imperfectbudget.com/blog/why-were-wired-to-fear-loss-and-how-to-use-that-knowledge-to-thrive-financially monthly 0.5 2024-12-17 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1734448917983-9AAE2K1DF98E1DJBI5C3/image-asset.jpeg Blog - How Fear of Loss is Holding You Back Financially - Make it stand out Fearing loss is an instinct that helps species survival, but is it harming your finances? https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1734448798314-J6MNGKS0HLEVH3ISFG9R/unsplash-image-w3sAsX4G8G8.jpg Blog - How Fear of Loss is Holding You Back Financially - Make it stand out Making NO decision can often lead to worse consequences than the wrong decision. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8f3c4140-0c39-42a4-9e2b-243b464a6901/profile+pic+9-24.jpg Blog - How Fear of Loss is Holding You Back Financially - Make it stand out Katherine, founder of Imperfect Budget https://www.imperfectbudget.com/blog/whats-your-money-story-the-psychology-behind-your-financial-habits monthly 0.5 2024-12-10 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8f3c4140-0c39-42a4-9e2b-243b464a6901/profile+pic+9-24.jpg Blog - What’s Your Money Story? The Psychology Behind Your Financial Habits - Make it stand out Katherine, founder of Imperfect Budget https://www.imperfectbudget.com/blog/ditch-the-fear-and-take-control-of-your-finances monthly 0.5 2024-12-03 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1731522250558-J3VQ2RFXQL45G51VJS00/unsplash-image-eeqMwEQ24aY.jpg Blog - Ditch the fear and take control of your finances - Make it stand out Putting your money into the stock market may feel like being thrown into the middle of the ocean on a small raft, but it’s not as hard as you might think! https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8f3c4140-0c39-42a4-9e2b-243b464a6901/profile+pic+9-24.jpg Blog - Ditch the fear and take control of your finances - Make it stand out Katherine, founder Imperfect Budget https://www.imperfectbudget.com/blog/cultivating-gratitude-around-money monthly 0.5 2024-11-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1731448387024-6EKP4RMY370U89QTFG74/unsplash-image-p2OQW69vXP4.jpg Blog - Thankful for What We Have: Cultivating a Gratitude Mindset Around Money - Make it stand out Cultivating gratitude for money is an important part of healing your money mindset and practicing abundance. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/a6957209-1ba9-4c38-a6b0-35b21676f38c/Yellowstone+Geyser.jpg Blog - Thankful for What We Have: Cultivating a Gratitude Mindset Around Money - Make it stand out I’m grateful that money allowed me to take this amazing National Park trip with my husband. I haven’t once thought about the $4,000 that we spent on the trip. Instead, I remember the amazing memories we made together. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8f3c4140-0c39-42a4-9e2b-243b464a6901/profile+pic+9-24.jpg Blog - Thankful for What We Have: Cultivating a Gratitude Mindset Around Money - Make it stand out Katherine, founder of Imperfect Budget https://www.imperfectbudget.com/blog/a-guide-to-financial-self-care monthly 0.5 2024-11-19 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8f3c4140-0c39-42a4-9e2b-243b464a6901/profile+pic+9-24.jpg Blog - Spending, Saving, and Thriving: A Guide to Financial Self-Care - Make it stand out Katherine, founder of Imperfect Budget https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1731444468738-E0R0HL703ODE1SXLS8LG/unsplash-image-YCW4BEhKluw.jpg Blog - Spending, Saving, and Thriving: A Guide to Financial Self-Care - Make it stand out Just like eating right and exercising, your finances are an important part of your self-care routine. https://www.imperfectbudget.com/blog/mindset-shifts-for-financial-freedom monthly 0.5 2024-11-12 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/693f5b32-4524-4b0e-9350-5df3cc9d2c91/C1432B12-5041-4981-9F15-D8F4842428BA_1_201_a.jpeg Blog - Mindset Shifts for Financial Freedom: From Money Scarcity to Abundance - Make it stand out Growing up in a middle class household, I had all of my birthday parties at home and my mom made amazing home-made decorations. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8f3c4140-0c39-42a4-9e2b-243b464a6901/profile+pic+9-24.jpg Blog - Mindset Shifts for Financial Freedom: From Money Scarcity to Abundance - Make it stand out Katherine, founder of Imperfect Budget https://www.imperfectbudget.com/blog/from-budgeting-to-dream-building-how-to-let-go-of-money-anxiety-and-build-a-life-you-love monthly 0.5 2024-11-05 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/94060fb0-6fb5-42d7-893f-e6ecb6a7491d/If+I+didn%27t+have+to+work+for+money.jpg Blog - From Budgeting to Dream-Building: How to Let Go of Money Anxiety and Build a Life You Love - Make it stand out What would your life look like if you didn’t have to work for money? https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/a0bfb5b2-478c-4381-99b0-4f5933fef22d/Don%E2%80%99t+make+a+budget+based+on+where+you+think+your+money+%E2%80%9Cshould%E2%80%9D+go%2C+make+a+budget+that+aligns+your+values.jpg Blog - From Budgeting to Dream-Building: How to Let Go of Money Anxiety and Build a Life You Love - Make it stand out Be honest when building your budget - what do you truly WANT from your money? https://www.imperfectbudget.com/blog/navigating-financial-anxiety-overcoming-stress-and-fear-about-your-finances monthly 0.5 2024-10-22 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1729625729390-68MOC4QWPRTIFV68D54R/unsplash-image-tJefy_Vu7Po.jpg Blog - Navigating Financial Anxiety: Overcoming Stress and Fear About Your Finances - Make it stand out Learning to navigate stress and anxiety around money is an important part of mastering your finances! https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1729625907712-MHB91B5ICAVPSLOOKEQP/unsplash-image-Oa7QSM3Stpc.jpg Blog - Navigating Financial Anxiety: Overcoming Stress and Fear About Your Finances - Make it stand out The “Pirates of the Caribbean” rule of budgeting means using your budget as a guideline - not a rule. It does NOT have to be perfect, it just needs to provide you with an overall view of your finances. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1729626209614-L3620RVDC4MQF3QKTETV/unsplash-image-BpaU9TM2ksc.jpg Blog - Navigating Financial Anxiety: Overcoming Stress and Fear About Your Finances - Make it stand out Thinking of your money like a river reminds you that it constantly flows in and out of your life, but never runs out. Opportunities may ebb and flow, but the river never runs dry. https://www.imperfectbudget.com/blog/the-frindy-dindy-account monthly 0.5 2024-10-15 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1729001236466-NOM1G945FTTVVT2H74X2/image-asset.jpeg Blog - The Frindy Dindy Account - Make it stand out Frindy Dindy money allows you to have fun and enjoy your money, while still balancing your long-term financial goals. https://www.imperfectbudget.com/blog/the-freedom-budget-how-to-enjoy-life-while-saving-money monthly 0.5 2024-10-08 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/bdc07854-6de1-474f-ab4c-cb5debdab5a5/celebrate.png Blog - The Freedom Budget: How to Enjoy Life While Saving Money - Make it stand out Celebrating your wins is an important part of acknowledging your progress - you rock! https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/2a345e61-940a-4ea3-ad20-b0d370abb03a/Assessing+your+current+financial+situation+-+necessities%2C+discretionary%2C+debts.jpg Blog - The Freedom Budget: How to Enjoy Life While Saving Money - Make it stand out It's important to start your financial journey by assessing where you are today. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/6b17e15a-fdff-40de-91de-b66f889026b1/50%3A30%3A20+budgeting.png Blog - The Freedom Budget: How to Enjoy Life While Saving Money - Make it stand out By following a 50/30/20 budget, Elizabeth knows exactly how much she can spend on her monthly expenses. https://www.imperfectbudget.com/blog/is-investing-the-same-as-gambling monthly 0.5 2024-10-01 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/81885f5f-ee22-48c4-81a5-3060247f5686/saving+for+retirement.png Blog - Is Investing The Same As Gambling? - Make it stand out If you save $1,000/month starting at 18 years old, you will retire at 101. https://www.imperfectbudget.com/blog/whats-a-brokerage-account-and-do-i-need-one monthly 0.5 2024-09-24 https://www.imperfectbudget.com/blog/should-you-still-invest-if-you-have-student-loans monthly 0.5 2024-09-17 https://www.imperfectbudget.com/blog/everything-you-need-to-know-about-a-high-yield-savings-account monthly 0.5 2024-09-10 https://www.imperfectbudget.com/blog/do-you-need-an-emergency-savings monthly 0.5 2024-09-03 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1720829303078-TQ1H6T3XBWTIKS67QQYM/image-asset.jpeg Blog - Do You Need an Emergency Savings? - Make it stand out Having an emergency fund is one of the best financial decisions you will ever make. https://www.imperfectbudget.com/blog/the-2-most-important-things-you-will-ever-buy monthly 0.5 2024-08-27 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/7d7e1a5a-7406-4883-8aa4-70b86ee226c2/time+%26+health+.png Blog - The 2 Most Important Things You Will Ever Buy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/d8498c3c-709a-449a-94b4-b65a2da57a09/If+you+didn%27t+have+to+work.png Blog - The 2 Most Important Things You Will Ever Buy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/4ee2414c-f573-46ec-955f-ca46cd6b35ab/time+%26+health+2.png Blog - The 2 Most Important Things You Will Ever Buy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.imperfectbudget.com/blog/50-30-20-budgeting monthly 0.5 2024-08-20 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/6b17e15a-fdff-40de-91de-b66f889026b1/50%3A30%3A20+budgeting.png Blog - 50/30/20 Budgeting - Make it stand out Elizabeth uses 50/30/20 budgeting to set goals for her spending and savings. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1720788725159-PT1UIURJQ1SNH8RUTVTJ/image-asset.jpeg Blog - 50/30/20 Budgeting - Make it stand out Could a 50/30/20 budget help you stay on track with your finances? https://www.imperfectbudget.com/blog/what-to-do-if-your-spending-is-greater-than-your-income monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/79f1be0e-2a3a-47d1-aa89-63ae7302e3ba/Debt+table.png Blog - What To Do If Your Spending Is Greater Than Your Income - Make it stand out Organize all of your debt into one list. Then work to pay it off using the snowball method or the avalanche method. https://www.imperfectbudget.com/blog/what-is-a-budget monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/can-money-give-you-freedom monthly 0.5 2024-07-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1719953626826-9O630I9X8IXEI90HEHRV/image-asset.jpeg Blog - Can money give you freedom? - Make it stand out On July 4th, we Americans proudly declare ourselves “free”, but are we truly free? https://www.imperfectbudget.com/blog/its-ok-to-fail monthly 0.5 2024-07-26 https://www.imperfectbudget.com/blog/juneteenth-are-we-equal-yet monthly 0.5 2024-07-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1718139034121-J8L9PV26B8VXELC4NLKS/image-asset.jpeg Blog - Juneteenth - Are we equal yet? - Make it stand out It’s been nearly 160 years since slavery ended - so are blacks and whites equal yet? https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/6b71d992-9d65-4754-b2c0-21fad150d281/Juneteenth+graphic.png Blog - Juneteenth - Are we equal yet? - Make it stand out Making more money could have life-changing implications for black and brown people, leading to better education, jobs, healthcare, investments and generational wealth. https://www.imperfectbudget.com/blog/hsa-v-fsa-account-which-is-right-for-you monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1718036114726-Y8EYX11IRX5VLX5ZBBQQ/image-asset.jpeg Blog - HSA v. FSA account - Which is right for you? - Make it stand out Did you ever think paying medical bills could save you money on taxes? Turns out it can! HSA & FSA accounts are great tools for paying medical expenses AND saving on taxes. https://www.imperfectbudget.com/blog/how-to-read-your-credit-card-statement monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/be07e443-3f95-42e4-82bd-e8735c824905/credit+card+statement+1.png Blog - How to read your credit card statement - Make it stand out Every credit card statement will have a little chart on the first page with this information. It’s important to know how much your balance is and how much you are paying in fees. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/b0ffc279-0331-4553-a3fb-0f3ac96e230d/credit+card+statement+2.png Blog - How to read your credit card statement - Make it stand out You should see all of these terms & numbers in the account summary section of your credit card statement. Usually it’s on the top of the first page. https://www.imperfectbudget.com/blog/thinking-about-combining-finances-with-your-partner-here-are-4-things-you-should-consider monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/are-you-a-self-fulfilling-prophecy monthly 0.5 2024-07-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/898620cd-7418-46ef-b624-03bd47dc43b1/Self-fulfilling+prophecy+2.png Blog - Are You a Self-Fulfilling Prophecy? - Make it stand out Because Martha’s boyfriend made her feel irresponsible, she now feels like she is an irresponsible person and acts how she thinks an irresponsible person would act. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/d2c2f60d-8428-4b3c-939b-8f57f4313bd6/Self-fulfilling+prophecy.png Blog - Are You a Self-Fulfilling Prophecy? - Make it stand out A self-fulfilling prophecy is a cycle of beliefs affecting actions, which affect results, which affect beliefs again. https://www.imperfectbudget.com/blog/why-i-used-to-hate-automatic-transfers monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/89ef1f2b-1169-45a6-9bc1-6998638582e3/Emergency+Savings.png Blog - Why I used to hate automatic transfers - Make it stand out Once you set your automatic transfers, now comes the fun part! Sit back and watch your money grow. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/358bb4d8-8992-439a-82c8-5abc942a3df3/Automatic+Savings.png Blog - Why I used to hate automatic transfers - Make it stand out Before setting up automatic transfers, you’ll need to know your income and monthly expenses. https://www.imperfectbudget.com/blog/6-ways-to-cut-down-your-grocery-bill monthly 0.5 2024-07-26 https://www.imperfectbudget.com/blog/8-financial-wins-that-you-can-do-today monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/make-compound-interest-work-for-you monthly 0.5 2024-07-26 https://www.imperfectbudget.com/blog/6-green-financial-flags-and-2-neutral-ones monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/pay-yourself-first monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1712098236301-0JURRQOM7Q2Z2NDV34QM/image-asset.jpeg Blog - Pay Yourself First - Make it stand out Are you paying yourself first? https://www.imperfectbudget.com/blog/8sidehustlesforextracash monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/isyour401kvested monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1011078a-69c5-4a7f-b3bb-253fa29eda43/Graded+vesting+401k.png Blog - Is Your 401k Vested? - Make it stand out Graded vesting gives you a percentage of contributions for every year you work at the company. The maximum graded vesting schedule is 6 years. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/9a3c53aa-4127-4180-96fa-7117b22851b2/Cliff+vesting+schedule+401k.png Blog - Is Your 401k Vested? - Make it stand out Cliff vesting schedules give you no employer contributions at first, then all of the contributions at once. Maximum cliff schedule is 3 years until full contributions. https://www.imperfectbudget.com/blog/isperfectionismkeepingyoupoor monthly 0.5 2024-07-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1709733048809-77WM6XDWLIB1WFQ3B4QI/image-asset.jpeg Blog - Is Perfectionism Keeping You Poor? - Make it stand out Is being a perfectionist stopping you from reaching your goals? https://www.imperfectbudget.com/blog/screwyou monthly 0.5 2024-07-26 https://www.imperfectbudget.com/blog/how-to-read-your-credit-report monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/10aa73b1-d278-46e9-ba7b-6bc5dc3c0b7a/Credit+Report+1.png Blog - How To Read Your Credit Report - Make it stand out It’s important to check the information on your credit report for accuracy, and report and incorrect information directly to the agency. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/7578f602-5c71-48e1-ac39-4296c50e4f73/Credit+Report+2.png Blog - How To Read Your Credit Report - Make it stand out Items like hard inquiries stick around on your credit report for two years, whereas collections items and bankruptcies last for 7-10 years. https://www.imperfectbudget.com/blog/is-money-the-root-of-all-evil monthly 0.5 2024-10-23 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1705666392163-Q8I351T3QFWHMWEE1ALV/image-asset.jpeg Blog - Is Money the Root of All Evil? - Make it stand out Is seeking to acquire money evil? https://www.imperfectbudget.com/blog/is-your-latte-the-reason-you-cant-buy-a-house monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1705088216312-KHMVD3BOL4L5JEWW4X5I/image-asset.jpeg Blog - Is Your Latte the Reason You Can’t Buy a House? - Make it stand out Pumpkin Spice Lattes are a Fall favorite, but at $6 per latte, they’re an expensive drink. Will cutting them out help you afford a down payment? https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1705088043913-F00HHW5B8DMGMD5113YX/image-asset.jpeg Blog - Is Your Latte the Reason You Can’t Buy a House? - Make it stand out The median home price in my area is around $650,000, but single-family detached homes can easily go for $1-2 million. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8b6d8c18-bfaa-4bf0-bc8c-ff25de00a87e/How+to+save+for+a+down+payment.png Blog - Is Your Latte the Reason You Can’t Buy a House? - Make it stand out Although buying a first home can be a big challenge, there are ways to do it. https://www.imperfectbudget.com/blog/money-dates-with-your-partner monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/make-time-for-your-money monthly 0.5 2024-07-26 https://www.imperfectbudget.com/blog/lifestyle-inflation monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/how-i-make-my-budget monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/learn-the-language-of-money monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/what-banks-dont-tell-you-about-your-401k monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/e59a0dfb-147f-4089-90e1-6aaf8885c082/401k+ex+1.png Blog - What Banks Don’t Tell You About Your 401k - Make it stand out Target Date Fund for 2060, nearly 40 years from now, had lower returns than the S&P 500. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/31de05b6-71ec-4b05-aacf-fb105757f1bc/401k+ex+4.png Blog - What Banks Don’t Tell You About Your 401k - Make it stand out Making a $5,000 contribution with a 12% return and lower fees will leave you $5,598.04. Over $200 more than the Target Date Fund. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/f7686ccf-ba5d-4b0b-a132-7e827742e543/401k+ex+3.png Blog - What Banks Don’t Tell You About Your 401k - Make it stand out Making a $5,000 contribution with an 8% return will leave you with $5,395.68 - not bad. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/b3e3218b-2512-4ab4-bed0-15f83de4ef2f/401k+ex+2.png Blog - What Banks Don’t Tell You About Your 401k - Make it stand out With half the fees, and a higher return, I choose to invest in my 401k’s S&P 500 index. https://www.imperfectbudget.com/blog/5-ways-to-save-on-your-energy-bill-this-winter monthly 0.5 2024-07-25 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1702848147307-C70G6TB7SFMQJ5F2XKG4/image-asset.jpeg Blog - 5 Ways to Save on Your Energy Bill This Winter - Make it stand out How will you save on your energy bill this winter? https://www.imperfectbudget.com/blog/how-to-make-a-new-years-resolution-and-actually-stick-to-it monthly 0.5 2024-07-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/75842a20-0269-467b-abe7-22e2fe8c34bc/7+layers+of+why.png Blog - How to Make a New Year’s Resolution and Actually Stick to it - Make it stand out Asking yourself “why” 7 times forces you to get to the root of your goals. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1702817290323-D40EI6VBGBYDBY78BRI8/image-asset.jpeg Blog - How to Make a New Year’s Resolution and Actually Stick to it - Make it stand out Have you ever made a New Year’s Resolution…and given it up by January 15th? https://www.imperfectbudget.com/blog/death-by-indecision monthly 0.5 2024-07-25 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/e924db1d-58ce-44eb-a357-ec3a2d05cacf/Fight%2C+flight%2C+or+freeze.png Blog - Death by Indecision - Make it stand out Did you know that “freeze” is also a physiological response to fear? Many of us respond to fear of money by “freezing”. Instead of taking action, we choose… nothing. https://www.imperfectbudget.com/blog/6-ways-to-save-on-rent monthly 0.5 2024-07-25 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/0cff6d61-3e85-4496-a640-325610e2b202/Rent+prices+go+up.png Blog - 6 Ways to Save on Rent - Make it stand out It seems like rent prices are always going up. Try these tips to save money on rent. https://www.imperfectbudget.com/blog/10-cheap-holiday-activities monthly 0.5 2024-07-25 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/4f11a418-c590-41b4-9095-b0d5857df27b/EC0DD0FF-2D27-4F89-8241-1F5D763BC949.jpeg Blog - 10 Cheap Holiday Activities - Make it stand out Homemade ornaments can be a fun, cheap craft for kids and a cute decoration for the tree! https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1701434004880-NX41ZS5DKVGRV7QVPU0L/image-asset.jpeg Blog - 10 Cheap Holiday Activities - Make it stand out A hot chocolate bar is a great way to add some fun to your favorite wintertime drink! https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1701432990593-VVNA0FO1IHGQ87NC2RUW/image-asset.jpeg Blog - 10 Cheap Holiday Activities - Make it stand out The holidays don’t need to be expensive to be fun! Creating traditions is the most important part. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/2171b8f2-a08a-4d58-9bbe-bc5a1a234a7e/image-asset.jpg Blog - 10 Cheap Holiday Activities - Make it stand out A cookie exchange can be a great way to get together with friends, without having to spend lots of money. And you get to take home the cookies! https://www.imperfectbudget.com/blog/budgeting-for-the-holidays-without-being-a-scrooge monthly 0.5 2024-07-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/c6ba6bf0-49a8-40c4-a817-26f5a542e07e/%2522give+her+the+perfect+gift%2522+v2.png Blog - Budgeting for the Holidays (without being a Scrooge) - Make it stand out Advertisers have brainwashed us into thinking that love = gifts https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1701006974339-V66XVVLPON0WN5C4EPNV/image-asset.jpeg Blog - Budgeting for the Holidays (without being a Scrooge) - Make it stand out Christmas is a wonderful time of year, but it’s also filled with a lot of stress and worry over how to afford “The Perfect Christmas”. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/eba89670-0a63-4415-904f-68d2abe25250/Favorite+holiday+activities+v2.png Blog - Budgeting for the Holidays (without being a Scrooge) - Make it stand out You don’t need to spend a lot of money to plan fun holiday activities. https://www.imperfectbudget.com/blog/how-to-build-or-rebuildcredit-from-zero monthly 0.5 2024-08-14 https://www.imperfectbudget.com/blog/goal-setting-start-from-the-finish-line monthly 0.5 2024-07-25 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/73615d30-51a1-47a1-bbb5-d1cb540872ba/charging+to+credit+card.png Blog - Goal Setting: Start from the Finish Line - Make it stand out Credit cards are a great tool, but should never be used to buy things you can’t afford. https://www.imperfectbudget.com/blog/how-to-increase-your-credit-score monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/23c37399-8066-4b52-aa51-0aa648a46f23/Untitled+design+%282%29+copy.png Blog - How to Increase Your Credit Score - Make it stand out A “good” credit score is around 670-740 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/532b9dc6-952a-4de1-8047-6398f1538256/utilization+1.png Blog - How to Increase Your Credit Score - Make it stand out Spending $2,000 with a $10,000 credit limit gives you a 20% utilization score https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/a0f68f3c-cef7-4bf7-ac49-512846f155f3/utilization+3.png Blog - How to Increase Your Credit Score - Make it stand out By making a payment before your use is reported to credit agencies, you can quickly lower your utilization and increase your credit score https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/7398d255-5f1e-4c76-863e-639c9cea7f4d/utilization+2.png Blog - How to Increase Your Credit Score - Make it stand out Increasing your credit limit lowers your utilization, without reducing your spending https://www.imperfectbudget.com/blog/spending-money-with-a-scarcity-mindset monthly 0.5 2024-07-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1696453134879-YSG98PJE8V9T86986P67/image-asset.jpeg Blog - Spending Money with a Scarcity Mindset - Make it stand out Running out of money is a fear I’ve had my whole life. What if my bank account dries up and there’s nothing left? https://www.imperfectbudget.com/blog/imperfectbudget/treat-yourself monthly 0.5 2024-07-26 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1696448423555-YZLS9Y141TI4XUJ59R86/image-asset.jpeg Blog - Treat Yourself - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/aaf7932e-d4d9-4580-b035-c05810bd274c/C1432B12-5041-4981-9F15-D8F4842428BA_1_201_a.jpeg Blog - Treat Yourself - Make it stand out Me on my 6th birthday. One of many princess-themed parties. https://www.imperfectbudget.com/blog/imperfectbudget/what-types-of-retirement-accounts-are-available-to-me monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/a336d00a-5e72-44a7-ae5f-4a85fdb94ed0/employer+match+graphic.png Blog - What Types of Retirement Accounts are Available to Me? - Make it stand out For companies that offer an employee match 401k benefit, you can sometimes double your annual contributions. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/0c4bb5a7-0213-4f24-a655-0f6bc96fbe0b/Traditional+IRA.png Blog - What Types of Retirement Accounts are Available to Me? - Make it stand out Traditional IRA you make contributions pre-tax, then pay taxes when withdrawing the money at retirement. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/2c9cc2ef-687c-4a9c-bd6e-ebe1b34565bf/Roth+IRA.png Blog - What Types of Retirement Accounts are Available to Me? - Make it stand out Roth IRA you make contributions post-tax, but you do not have to pay any additional taxes at retirement. This means any growth from your investments is tax-free! https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/8db7df8a-aa6f-4540-aa2d-011b05860007/401k+v+IRA.png Blog - What Types of Retirement Accounts are Available to Me? - Make it stand out Both 401k and IRA accounts are tax advantaged accounts made to help you save for retirement. https://www.imperfectbudget.com/blog/imperfectbudget/traditional-v-roth-ira monthly 0.5 2024-08-14 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1696365417017-4QE7BSS1CVNNPDAWMJ58/image-asset.jpeg Blog - Traditional vs. Roth IRA - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.imperfectbudget.com/blog/imperfectbudget/cheap-fun-activities-with-friends monthly 0.5 2024-07-25 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1695846858178-OO7KNZ444KRHARP2TZE2/image-asset.jpeg Blog - Cheap, Fun Activities with Friends The holidays are a time of year when people want to get together and reconnect with friends and family. Holiday parties and gift purchases can get expensive very quickly. Try to think of some ways to spend time with your loved ones doing fun activities with a low budget. My mom and her friends do a cookie exchange party every year. Everyone makes a different cookie and they exchange (and eat) them. My best friend and I have had the tradition of making a gingerbread house together every year since we were in high school. One of my neighbors hosts a party for the kids in the neighborhood and they make graham cracker gingerbread houses. When I was a kid, we used to drive around the neighborhood and check out everyone’s holiday lights. There are tons of possibilities out there if you’re willing to get a little creative. Remember, it’s about making memories and any sort of holiday tradition can be fun with the right people. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/af1bc2ba-55e0-4b7d-baf3-477e8f9806dd/image-asset.jpg Blog - Cheap, Fun Activities with Friends - With a quick internet search, you can likely find lots of local parks where you can walk, hike or picnic. Getting outdoors is a great way to spend time with friends. Most recently, I went to a local state park where the entry fee was $10 per car. We did some short hikes, had a picnic lunch, and spotted a few bald eagles while we were at it. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1695847414683-JTWXX8LZHSJQ4PI1YF4V/image-asset.jpeg Blog - Cheap, Fun Activities with Friends - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/1695846682688-YA37DV6U688A8U2EPV02/image-asset.jpeg Blog - Cheap, Fun Activities with Friends - Invite your friends over for a movie and popcorn at your house. Friends can’t get a babysitter? Put on a movie for the kids and catch up with your friends in another room. https://www.imperfectbudget.com/blog/imperfectbudget/furnishing-a-new-home-on-a-budget monthly 0.5 2024-07-25 https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/7286de44-6989-49f7-ac83-86d4ddc4fc96/B6283D1B-D6F6-447D-AEB5-FB380BCCD2BB_1_201_a.jpeg Blog - Furnishing a New Home on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/c6259338-56b6-4f19-b67f-7c4ac31b25f9/F4393FE1-BA0F-4D4F-9A6A-1498BCD258A4_1_201_a.jpeg Blog - Furnishing a New Home on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/40a11e4f-70c3-4208-8f31-84dbb221c4f1/3C6E5AD8-C496-455E-9E60-2E868E9297F3_1_201_a.jpeg Blog - Furnishing a New Home on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/ba10627a-cfe5-4d3a-9076-62df466e0026/057BA0E7-72D4-48F5-8F92-F74CB0015423_1_201_a.jpeg Blog - Furnishing a New Home on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/ace38615-6a8a-4aa3-b7ee-8301d03057a0/2D6040D4-9205-40C6-8ABE-310225DB35A6_1_201_a.jpg Blog - Furnishing a New Home on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/ca7ff217-ad0d-4fd6-9827-0c96d1b1c065/A8061839-0C64-4EB3-8380-A7213A758730_1_201_a.jpg Blog - Furnishing a New Home on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/647facf258da237026f2c216/cde0cc46-b5d9-4fe0-a335-d6f08359f578/7FC64F06-27CD-4E37-850B-2DB7FFFF50FD_1_201_a.jpeg Blog - Furnishing a New Home on a Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.imperfectbudget.com/blog/category/financial+freedom monthly 0.5 https://www.imperfectbudget.com/blog/category/Investing monthly 0.5 https://www.imperfectbudget.com/blog/category/Roth+IRA monthly 0.5 https://www.imperfectbudget.com/blog/category/Compounding monthly 0.5 https://www.imperfectbudget.com/blog/category/Financial+Freedom monthly 0.5 https://www.imperfectbudget.com/blog/category/Saving monthly 0.5 https://www.imperfectbudget.com/blog/category/401k monthly 0.5 https://www.imperfectbudget.com/blog/category/Credit+Cards monthly 0.5 https://www.imperfectbudget.com/blog/category/Financial+Stability monthly 0.5 https://www.imperfectbudget.com/blog/category/Interest monthly 0.5 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