On Nov. 15th, a Personal Finance headline in the WSJ read, “There’s a Reason a Killer Money-Savings App Still Doesn’t Exist.” In the last decade, the financial technology sector has exploded. Perhaps there is a killer money-saving app that people just aren’t aware of yet.

Do you have a tendency to impulse-purchase and over-spend? Are you looking for a way to change and build better spending habits? The Cash Envelope System, also called Cash Stuffing, is a tried and true budgeting technique popularized by Dave Ramsey to help visualize purchases, maintain a budget, and curb overspending. But how does this system work? Here’s a crash course in Cash Stuffing.

From small, community credit unions to nationwide banks, there are many different places where you can deposit and store your money. You most likely have one you’ve always used, but there are several different reasons why you may want different accounts at different banks or banking institutions.

Have you ever wanted to change something about your life? Eliminate a bad habit or start a good one? Lets say that I decide I want to drink more water. I do a ton of research into why hydration is important and how much water I should be drinking every day. Does that automatically make drinking that extra cup of water a habit that I can follow through on every day without thinking? Probably not.

“If I already have money loaded into my Starbucks app, my Starbucks is free.” “I bought tickets to this concert months ago, so anything I buy at this concert is totally separate.” “If I return a jacket and get $50 back, I made $50.” “It’s Girl Math.”

A budgeting app can make life easier, but when the app store is chock-full of them, how do you know which one to choose? If you want to stick to your budget you’ve probably narrowed your search down to YNAB and Qube Money. This article is here to help you make your decision.

You’ve experienced it too—after a month of fun nights out, restaurant trips with friends and memorable family vacations, reality hits you like a wave. As the month draws to a close, it’s time to face the daunting question: Do you have enough money to cover rent?

Imagine your child is leaving for college tomorrow. Have you prepared her for the culture of ‘buy now pay later’ and the onslaught of marketing aimed to convince her that she needs this or that to be happy? How about the peer pressure she’ll face because seemingly everyone around her is spending money uncontrollably and leading lives of luxury and popularity.