Money Tips

 

Looking to save money, pay off debt, or fix your credit? You’re in the right place.

This page on money tips is packed with practical, no-fluff tips you can use immediately—whether you’re just starting your financial journey or looking to level up your money game. These are some of the strategies that have helped me get out of over $62,000 worth of debt (and counting), improve my credit, and build financial momentum. They can help you too.

I started My Money Chronicles to document my own path from financial struggle to stability. I’ve faced credit card debt, student loans, and the pressure of trying to make ends meet. But through trial and error and education, I’ve found methods that work—and now I’m sharing them with you.

Budgeting: Know Where Your Money’s Going

The first step in taking control of your finances is knowing where your money is going. Budgeting isn’t about cutting out everything—it’s about putting your dollars to work for you.

Start here:

How to Budget Money

Want to take control of your finances but not sure where to start? This article walks you through simple steps to create a budget that actually works for your lifestyle.

The 11 Best Budgeting Tips

From tracking your spending to using the right tools, these 11 tips will help you build better money habits and stay consistent with your budget.

Paying Off Debt: Make a Plan and Stick to It

Debt doesn’t have to define your financial story. With focus and a solid strategy, you can chip away at what you owe and start building real freedom.

How to Pay Off Debt

Drowning in debt? This guide breaks down the exact steps you can take to create a debt payoff plan that fits your income and lifestyle—no gimmicks, just real results.

How to Get Out of Debt

Ready to take control of your finances? Check out our latest article on how to get out of debt, with practical tips on budgeting, prioritizing payments, and building a debt-free future. Start your journey today

Fixing Your Credit: Simple Steps with Big Impact

Your credit score affects so much—car loans, apartments, and even job opportunities. But the good news? It’s absolutely possible to fix your credit with steady effort.

How to Increase Your Credit Score By 100 Points

This post breaks down the exact moves I made to repair my credit over time.

Here are a few smart tips to start with:

  • Always pay bills on time (set reminders or use autopay)
  • Keep your credit card utilization low
  • Check your credit reports for errors and dispute them
  • Don’t close old accounts with good standing

Improving your credit doesn’t happen overnight, but it will happen if you stay consistent.

9 Free Credit Report Websites

Want to stay on top of your credit? Discover 9 free credit report websites that can help you monitor your score, catch errors, and protect your financial health—all without spending a dime.

Saving Money: Build Habits That Work

You don’t need to earn six figures to start saving. It’s about cutting waste, being intentional, and finding creative ways to stretch your dollars.

How to Save Money: 18 Ways to Help You Start

Looking to boost your savings? This article shares 18 practical and easy-to-follow tips to help you start saving money today, no matter your income level.

The Ultimate Guide to the 52-Week Money Challenge: A Simple and Effective Way to Save

Need a fun and structured way to save? Learn how the 52-Week Money Challenge can help you build your savings step by step—starting with just $1 a week.

Money-saving habits that made a real difference for me:

  • Cooking meals instead of dining out
  • Using cashback and rebate apps for groceries
  • Canceling unused subscriptions
  • Having no-spend weekends for fun and focus

Featured Articles Recap

Here’s a quick list of some of the most helpful money-focused posts from My Money Chronicles:

Money management doesn’t have to be complicated. Whether you’re fixing your credit, learning how to budget, or finally taking control of your debt, the key is to start small and stay consistent.

Pick one article from the money category, read through it, and take action today. Progress starts with one step.