If you’re already on a tight budget, it can be difficult to find additional ways to save money, especially ways that make a big difference. However, if you’re like me, you’re constantly looking for tips or tricks that you can use to save more of your hard-earned money. Keep reading to learn 18 effective ways to save money on a tight budget.

Your personal finances are similar to a road trip. To get where you want to go on a road trip, you need to know at least three pieces of information: where you are, where you want to go, and a map. To achieve your financial goals, you'll want at least three pieces of information: your net worth, your financial goals, and your budget. In the analogy above, your net worth is the tool that tells you where you are; a snapshot in time of your finances. In addition to being a great gauge for your current financial performance, regularly reviewing your net worth can illuminate what assets and liabilities should be avoided in the future if you hope to achieve your financial goals. To learn more about how to calculate your personal net worth and why it’s important, please read on:

A personal budget is a roadmap to achieving your financial goals. Whether it’s getting out of debt, paying off your mortgage, financial independence, or even retiring early; you’ll need a budget to get there. These 18 best personal budgeting tips for beginners will help ensure you have a successful budgeting experience.

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Are you at a point in your life where you’re itching to buy your first home? Maybe you have a baby on the way and are looking to upgrade? Well, if you have debt in your life (I’m assuming you do if you are reading this article), you are probably wondering, should I pay off debt or save for a house? Continue reading to discover the answer.

With the benefit of technology, micro-investing has become a prominent player in the investing scene. With micro-investing, people with limited funds and access now have the ability to easily invest in the stock market. Of the micro-investing brokerages, there are three commission-free brokerage that also offer free stocks for signing up (or money to purchase free stocks). If you’re interested in receiving free stocks, read on to learn 3 ways to get free stocks from legitimate brokerage firms.