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Angela Rozmyn and her family live in the Seattle area.

My husband and I live in Seattle and save almost half our income so we don’t have to work by 40. Here’s what we spend in a typical week.

Angela Rozmyn and her husband earn a combined salary in the low six figures. Here's what a typical week of their spending looks like.
The author, Natalia Lusinski, in Dubrovnik, Croatia.

How to create a travel budget and stick to it, according to someone who’s been traveling abroad for over 2 years

It's easy to overspend when you're not in your home country. Protect your wallet with these tips from an expert at traveling abroad.
A zero-sum budget helps take advantage of credit card rewards like travel, without incurring any debt. The author is not pictured.

How to use a zero-sum budget, the strategy that gives every single dollar a specific job

For the zero-sum budget to work, you track your spending, pay off your credit cards every month, and put extra dollars into savings.
Mint is one of the most popular free budgeting apps.

I’m a former bank manager, and I highly recommend 5 budgeting apps to grow your savings and pay off debt

Not all budgeting apps are created equal, but these five get a strong seal of approval from a former bank manager turned personal finance writer.
The author is not pictured.

I dreaded starting a budget because I thought it was all about cutting back on things you love, but it turns out I was completely wrong

Your budget is meant to serve your lifestyle, not to restrict it. It's all in the way you set it up.
Author is not pictured.

5 things I wish I’d done at age 20 to avoid racking up $15,000 in debt

Credit card minimums are not your friend, and other sage wisdom for all the 20-year-olds in your life.

6 money apps and strategies to help you make a budget — and keep it

Get a better grasping on your spending, saving, and investments by using a money app or strategy to track your finances.
The average tipper tips about 15% to 20%.

Here’s how much you should tip in every situation

If you've ever wondered how much you should tip a waiter, bartender, cab driver, hotel bellman, or barista, look no further.
Working for yourself means your income is unpredictable. The author is not pictured.

I spent my whole life working for a salary, but now that I’m self-employed I use a 3-part strategy to manage my inconsistent income

For the first time in my life I don't have a consistent weekly salary, which makes it much harder to budget and plan ahead.
The couple is not pictured.

A couple who paid off $133,000 in debt, including 16 student loans, swears by a stunningly simple trick to keep from overspending

During their debt payoff period, the couple implemented the zero-sum budgeting method and bought their everyday items with cash only.