9 Apps to Help You Finally Be the Boss of Your Money

How Do I Pay Off Credit Card Debt?

If you're serious about reducing your debt, you'll have to cut back on your nonessential spending by setting a realistic monthly budget for expenses like dining out or entertainment. Come up with a payment strategy that works best for you and your current financial situation. For example, focus on paying off the card with the highest interest rate first while making minimum payments on others. Once the highest-interest debt is cleared, roll that payment into the card with the next highest interest rate. This approach reduces the overall interest you pay and can help you become debt-free faster.

What Is A Debt Snowball?

A debt snowball is a debt repayment method where you focus on paying off your smallest debts first, regardless of interest rate, while making minimum payments on larger debts. The debt snowball method is popular because it builds momentum and motivation, giving you a psychological boost as you see debts disappearing one by one. Once the smallest debt is paid off, you take the amount you were paying on it and apply it to the next smallest debt. This creates a "snowball effect," where your available payment amount grows as each debt is eliminated, helping you pay off larger debts faster over time.

How Do I Get Out Of Debt?

When it comes to getting out of debt, the method that works best for you might be different than what works best for someone else. To get started, list all your debts, including balances, interest rates, and minimum payments. This gives you a clear picture of what you owe. Analyze your income and expenses to see where you can cut back and direct any extra funds toward your debt. Avoid new debt: Shift to a cash or debit-only system to prevent accumulating more debt while paying off what you already owe.

There are a variety of factors, from financial situation to income to dependents, but no matter what your life look like right now, here are some realistic ways to help you conquer your debt.

Create An LBD (Little Budget Library)

A little budget diary is a way to take stock of all your monthly and annual expenses, such as subscriptions, streaming services, and groceries — and write them all down in your LBD, says Brit + Co's Money School instructor Nicole Lapin. "You'll reference this all year — weekly is best — so you'll want to start off on the right foot with an easy-to-reference LBD. Don't make it hard. It's an easy task that will help you get organized quickly," she says.

Be Realistic About Your Expenses

"Do not be aspirational with your numbers," says Skye Kelly. "Pay attention to how you ACTUALLY live and how you ACTUALLY spend and work from there." Track your expenses for a month to create an accurate budget, review your paycheck and follow the 50-20-30 rule. These are the percentages you should spend on essentials, your future, and your lifestyle (non-essentials) with the goal to live within your means and eventually start saving and investing.

Check out Brit + Co's Teach Me Something Newpodcast with finance pro Tonya Rapley for breaking out of the paycheck-to-paycheck cycle.

Set Your Sights On Big Goals

Whether it's that dream bucket-list trip or a buying your first home, think about what your long-term goals are and think big when planning a budget. "When we are committed to a massive financial goal (retiring early and traveling the world with your life partner) suddenly the decision between roses or calla lilies as a wedding bouquet seem meaningless, and we are more inclined to find ways to spend less so we can meet our long-term financial goals," says Skye Kelly. She adds: "Create a budget for the milestone, stay resourceful and use points, seasonal sales, and help or hand-me-downs where you can."

Check out Brit + Co's Teach Me Something New podcast with The Points Guy for credit card tips and travel hacks.

"Spring Clean" Your Finances

Take a moment to organize your expenses. Dedicate a weekend afternoon and delete unused subscriptions, close and consolidate accounts, check in with your savings and retirement plans to make sure they're working for you, reduce auto-renewals, and unload credit card debt byconsolidating them into a single low-interest personal loan. It will feel as good, if not better, than spring cleaning your house, plus think about the money you'll have saved in that afternoon.

Find Your Side Hustle

Beyond just reducing your expenses, look at ways you can increase your income so you can start saving andinvesting to grow your wealth. "Increasing income might look like side jobs, part-time employment, creating an income stream, selling clutter around the home, or creating a product or service that meets the demands of the marketplace," says Skye Kelly. Look at selling clothes on resale sites, having a garage sale come spring, selling books online, starting an Etsy shop if you have a creative interest... anything that will add some extra cash in your pocket each month.

It's OK If It's Not Perfect

"Because budgets are rooted in math, we tend to see everything as right or wrong, which *shudder* brings up a lot of grade-school math class shame for many of us," says Skye Kelly. "If you plan your budget at the beginning of the month and at the end of the month it was only 80% accurate, you are likely killin’ it financially. I’ve asked hundreds of financial experts over the years ‘how many times did you get the budget exactly right?’ and every single answer has been ‘zero times.’"

Avoid Making Money Decisions During Hard Times

Mental wellness plays a big role in how we view our expenses and often we can make decisions in order to make us feel better (retail therapy, anyone?) instead of making healthy long-term financial decisions. "Having a line item in the budget for guilt-free spending is critical if you can afford it," says Skye Kelly. "This guilt-free spending money is there for times you want to splurge even though you might not be able to justify it."

Skye Kelly says it's best to avoid major financial decisions if you can for at least 6 months:

• After a significant death or when you are grieving
• While you or a loved one are experiencing a critical illness or at the onset of a new disability
• After a major breakup or divorce
• When you’ve entered into a new romantic relationship
• If you’ve been diagnosed with or suspect you have a mental illness and are awaiting treatment

"During these times we are highly likely to make emotional or impulsive decisions. Give yourself time to regulate some of the higher intensity emotions that might be driving the urge to spend."

Curious about crypto? Check out Brit + Co's Teach Me Something Newpodcast with finance pro Nicole Lapin for a primer on how to make your first crypto investment.

Contrary to what you might have been taught, you don't have to entirely cut fun things out of your life in order to save money. Doing so might actually have the opposite effect: you could burn out and spend way more than you would have if you simply added spending into your budgeted.

"If it’s a splurge that you’re obsessed with and will up your quality of life — then let’s figure out how much it costs and how you’re going to pay for it," Sacks says. She recommends the 50-30-20 method for your budget.

"Start by calculating your after-tax income and break it into 3 categories: 50% for needs, 30% for wants, and 20% for future you!" she continues. "That 30% number is what we are going to focus on. That’s the amount you can spend every month on…whatever you want. This splurge included! Just make sure you don’t go over that number because you should never spend on your current self if you’re not also putting money away for future you."

Saving Up For Your Financial Goals

Budgeting helps you divide up your savings before the money goes into your account. That way, you always know what you're saving for. (It's also a good idea to have extra savings because you never know when your car will need a new battery or if you'll have an unexpected trip to the ER).

Saving requires some self-control since it's money you aren't able to spend right now, and it can be difficult to release your current spending habits. "[That stubbornness] really just comes from a fear of the unknown," Sacks says. "We often choose what is comfortable over what’s new! But the more you understand why you’re doing something, the more that stubbornness can be released." Here are some specific financial goals to save up for:

Goal: Becoming Debt-Free

Think how much more money you'll have to save *and* spend once your debt is paid off! Check out the snowball method vs. the avalanche method to figure out what's best for you, and just take it one day at a time.

Goal: Taking A Bucket-List Trip

Whether you've been dreaming of going to France since Emily in Paris dropped or you want to go on a solo trip to your favorite small town, you'll definitely want enough cash to have a good time. You can't go wrong spending money on an experience you'll love.

Goal: Scoring Tix To See Your Favorite Performer

Concert merch, movie tickets, name brand collections — start saving now for these once-in-a-lifetime events and your future self will thank you.

How To Start Investing

Investing is different than a regular savings account. When you invest your money, instead of just sitting in an account, it's put to work in a variety of projects so that you make a net profit and end up with more money than you had before. You can invest with a retirement plan, or government-related options like stocks and bonds. Here's some more investing info to get you started.

Consider getting a financial advisor early in life. Financial advisors can really make a difference in your long-term goals, whether you want to buy a home, start a family, or retire well. Make sure you find a certified financial advisor who is a fiduciary, which means they are legally or ethically bound to act in your best interest. They can help you figure out where to invest your 401Ks and really help you invest and build your savings over time.

How To Become Financially Literate + Financially Independent

Financial independence can feel like a crazy goal when you're in the throes of debt and bills. But there's one thing that can help you move toward it: financial literacy. After all, knowledge is power.

"The more that you take control of your finances, the more you take control of your life and destiny," Sacks says. "Financial literacy also ensures you never get taken advantage of and that you’re maximizing the benefits of all the financial products you use."

Everyone has a different financial situation, which means that everyone has to make different financial choices. Taking a step toward financial independence can mean anything from reexamining your grocery bill to creating streams of passive income that make you money while you sleep (more on that later).

All in all, financial literacy and financial independence can go hand-in-hand. Check out the 5 Tax Terms That Can Save You Money, or these 6 Money Tips For Kids. It's never too early to learn!

How To Make Saving Money Less Boring

You might be thinking, "Saving money just doesn't sound fun," and technically you're right. Saving might not feel fun on its own, which is exactly why we're here! Pinterest Predict's Cha-Ching Challenge got us thinking about ways that we can turn saving into a game. Try one or all of these ideas, and let us know your favorite.

Make Learning Fun

If you want to learn more about finances, find a program that puts the terminology into your language, like Sacks' own aspirational finance media company, Finance Is Cool. "It makes being good with your money chic," she says. "I designed it with the goal of helping the future rich people who follow me take control of their finances step-by-step and provide them with the tools they need to grow wealth, all with a little humor and a lot of Kardashian references so we can have fun while we learn."

Maximize Your Card

If you have a credit card, or a debit card with benefits, use the points and rewards to your advantage. Sacks loves the Amex Rewards Checking account. "I earn Membership Rewards points on eligible Debit Card purchases that I can use on shopping, traveling, and more," she says.

Set up an automated deposit into your checking account when the rewards reach a certain number, or save up all your points for a dream-worthy trip during the summer. You can also check out Brit's interview with The Points Guy for more inspo.

Make Money In Your Sleep

Create one (or more) streams of passive income to bolster your paycheck. You can create downloadable guides and video tutorials, sell photography, or add affiliate links to blog posts, but the beauty of passive income is that whatever you choose will do the work for you.

Have Regular Money Dates

A money date can be carving out time for yourself (or with your partner) to create a comfortable space and review your priorities, values, and overall financial goals and hopefully actually set a plan in motion to achieve those. Take yourself out to a cafe or have a glass of wine by your side to make it fun while feeling good about where you're going. Good luck!

1. Actually Use Your Planner In 2025

We're not buying pretty planners just so they can collect dust on our desks or coffee tables anymore. Corry Frazier and Melissa Pepin want you to get serious because they feel "it starts with planning." They don't mean the kind you eventually flake on either.

"Effective planning is key to maintaining balance and reducing burnout. Whether you're mapping out tasks, meetings, or events, dedicated time for preparation ensures focus and reduces stress," they say. In other words, "the more intentional you are in planning, the more productive you'll be," according to them.

Ever since I've been blocking out my tasks by hour in planner, I've been able to get more done without feeling overwhelmed by splitting my time between writing and being in mommy mode. Frazier and Pepin suggest that you "set weekly planning sessions" that consist of "30-60 minutes each weekend to map out your upcoming week."

This eventually "reduces decision fatigue, fosters a sense of control, and helps you start Monday with clarity and purpose," they add. Yes, this is a sign that you'll be breaking up with the dreaded 'Sunday scaries' if you follow their advice. "You'll feel proactive and grounded rather than reacting to the week as it unfolds," they agree.

2. Embrace A "Fake Commute" When Working From Home

One of Kayla Baum's tips is to switch up your routine if you're a remote worker. Rolling out of the bed at the last minute before logging on for work sounds appealing until you realize you're uninspired by your days. But, what is a "fake commute?"

"It mimics the structure of a traditional commute to establish a boundary between work and personal life. This could mean taking a walk around the block, doing a 10-minute guided meditation, or even just changing clothes at the end of the day," Baum mentions.

Based on her experience, she's found that "it works because it provides a psychological buffer, helping to separate work and home life." She feels it's "crucial for positive mental health and boosting productivity at work (and at home)."

You can also create a separate work space that's not in your bedroom to get work done! That's helped me tremendously so I'm not sleeping and working in the same area.

3. Focus On High-Impact Tasks

Similar to planning your work days as best as you can, Frazier and Pepin want you to "prioritize the tasks that align with your goals." To minimize distractions, they want you to ask yourself:

• What is the most effective use of my time right now?

4. Stop Making Daily Decisions Hard

Tasks like your morning routine or figuring out what you'll eat don't have to take up a chunk of your time anymore. "Use productivity hacks, such as pre-planning meals or laying out weekly outfits," suggest Frazier and Pepin. They feel that "small routines like this eliminate unnecessary choices" to "make mornings smoother."

According to them, it's "especially helpful for families juggling multiple schedules." I couldn't agree more because I've spent so many frazzled mornings trying to make decisions about what myself and my toddler would wear or eat instead of planning them. With the help of my fiancé, we've cut so much time in half by being prepared ahead of time instead of 'winging it' before work.

5. Understand What Your Boundaries Are And Set Them

Worried that you'll be considered 'mean' if you tell your manager or coworkers what your boundaries are at work? Depending on your environment, it's 100% understandable. However, you're human and there's no reason you should be over-performing to your detriment. Frazier and Pepin say, "Set boundaries and communicate clearly. Adopt Brené Brown's mantra: 'To be clear is to be kind.'"

They encourage you to not only "be upfront about your schedule to manage others' expectations," but it's also so you can "avoid over-commitment." Say it with me: I will not make false promises just to appease others. Why?

Frazier and Pepin say, "Don't be afraid to say no to side projects or anything that doesn't align with your goals."

6. Ignore Emails Sent After Your Work Hours

I've been guilty of sending an email after work to acknowledge that I saw something, but I never expect other people to feel obligated to respond until the next business day. On the flip side, I've felt pressured to answer something that feels timely and I've gone to sleep thinking about the sender's potential follow-up email.

"Just because a coworker chooses to work late at night doesn't mean you must answer. One helpful trick is to include your working days and hours in your signature, explaining that responses may be delayed outside of those times," Frazier and Pepin say. They even have a prompt you can use if you're not sure what to type:

• "My working hours are [Your Working Hours, e.g., 9 AM - 4 PM ET]. Please note that these may differ from your local time zone. I appreciate your understanding and will respond to emails during my working hours."

I can't wait to start utilizing this...for research purposes only 👀.

7. Please, log off from work when it's time.

Unless you're scheduled to work late, take the time to log off from work and not think about it until the next day. Baum says, "Commit to fully logging off once the workday ends—no 'quick email replies' or sneaking in work over the weekend." I'm eyeing you Ms. "I just need to send a quick email" while you're on vacation or spending time with your significant other.

Baum says creating this separation works because "fully disconnecting allows your mind to reset and recharge" which ends up "making you more efficient, creative, and focused during actual work hours." According to her, you'll eventually "improve personal well-being" and "enhance long-term work performance."

As soon as my work day is over, I make a beeline for the shower so I can decompress. After that, I take my time with my skincare routine and keep my phone out of reach so I'm not tempted to look at anything work-related. I'm not always successful, but I've noticed a difference in my mood since making this shift.

8. Speak Up When You're Feeling Overwhelmed

And if you're 100% drained because you've been trying to tackle work tasks during and after hours, Frazier and Pepin want you to speak up. "If you're feeling overwhelmed with your workload, approach your manager with honesty and a focus on solutions," they suggest. Here's another prompt of theirs you can use:

• "I've been noticing that my workload has extended beyond regular hours, and maintaining balance is becoming challenging. Could we discuss prioritizing tasks or adjusting expectations to ensure I can deliver quality work without compromising my well-being?"