8 Free Apps That Will Make Saving So Much Money Easier

When you set financial New Year's resolutions, it can be hard to stay motivated to stick to them, especially when the year starts out like this one. But while we all know progress in the bank account can impact every area of our lives, it's not always tangible in real time. Luckily, there are many apps out there to help you with this. Here are eight that stand out to us because they get you thinking out of the box to leave you feeling more financially confident.

Mercari

Did you ever consider that the key to reaching your $$$ goals this year is in your closet? Mercari makes it easy to turn old clothes into cold, hard cash. The marketplace app is online-only — which eliminates any need for face-to-face selling — and takes a 10 percent commission (less than competitors), so you walk away with more money in your pocket. Bonus: Mercari helps facilitate the shipping of your items, which is a major win among app retailers.

YNAB

The theory behind this one is short, simple, and described explicitly in the platform’s full name: You Need a Budget. Don’t we all, though? With YNAB, all deposits are categorized dollar by dollar as soon as they come into your account. Thus, minimizing the risk that you might “accidentally” take the $100 you need to pay the cable bill and spend it on a great pair of jeans. YNAB holds you accountable to a plan so that you’re not in a state of constant calculation with your financial goals. Thank goodness for that!

RetailMeNot

Even a girl on a budget loves to shop, but there are always ways to shop smarter. RetailMeNot is one of these solutions. The platform collects thousands of digital coupons and promotions and corrals them into one handy spot, so you can scan for savings on items you need (or want) before you hit the stores.

Joy

We don’t talk enough about the emotional side of money. Like it or not, you have feelings about how much you’re spending and saving. Rather than pretending that’s not the case, Joy puts your money to good use by giving you a chance to categorize your purchases as “happy spends” and “sad spends.” The app also offers a money coach (assigned based on the results of an in-app assessment) and a free FDIC-insured savings account to ensure you’re well on track to being more responsible about your money decisions.

Ibotta

The Ibotta slogan — “Life Rewarded” — was enough to convince us that this is an app we need, STAT. After all, who doesn’t want to be rewarded for life? This rebate app works by customizing cash back deals for you based on your spending habits. Major retailers like Walmart, Amazon, Blue Apron, Target, Hotels.com, Stitch Fix, Modcloth, and ASOS are already onboard, which makes it easy to get cash back (actual money, not points) on the things you’re buying, anyway.

Twine

Twine is an ideal option if you and your S.O. are working toward financial goals together in the new year. Within the platform, you and your partner can set up a joint profile where you link your goal accounts and set up automatic transfers. Additionally, it gives you the chance to invest in simple portfolios based on your specific goals. Since it has bank-level security, you can feel totally safe using it too.

SavingStar

Grocery shopping is simply part of adulting, but thanks to SavingStar, it can also be part of your savings strategy. The app allows you to earn cash back when you shop at your local supermarket — without carrying coupons or furiously scrolling through your phone at the checkout. SavingStar offers are redeemed directly through the store’s loyalty program or via a snapshot of your receipt on the app. Once you’ve redeemed those offers, you can cash out (or buy a Starbucks gift card). Pretty great, right?

Honey

The Honey browser extension scans all of the coupon codes that the internet has to offer to bring relevant price promotions to you right in the knick of time (re: checkout). It also allows you to track prices and will notify you when prices drop, so you can buy items when they're at their most affordable. There's also a free rewards program, where you get a percentage back when you shop. Across Honey's six million users last year, more than $325 million was saved. Score!

It's no secret that groceries feel more expensive than ever right now, and compounded by the fact the average American home throws away 322 cups of food a year, I'm determined to use up every bit of the food, sauces, and other cooking basics I buy. That's how I found Carleigh Bodrug. Her PlantYou page, and her Scrappy Cooking series (plus her new cookbook!), makes creating delicious recipes easier, and more fun, than ever.

What is scrappy cooking?

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"Scrappy Cooking is the concept of transforming the world’s most commonly wasted foods into delicious recipes — and starting is as easy as chopping up a broccoli stem into a stir-fry," she tells me over email. "Seriously, it doesn’t have to be complicated. Look at the plants you have that you bring into your home every week, and see if there are ways to repurpose them."

With the help of Carleigh's Instagram page, I turned some broccoli stems into French fries and used up the last of my peanut butter for a noodle salad sauce. If you want to turn your groceries into a one-of-a-kind meal but aren't sure where to start, Carleigh recommends looking at every single aspect of the plant.

"Whenever I bring a plant into my home, I think about what part of the plant is discarded, and then I research whether or not it’s safe to consume (this part is important)!" she says. "Once I identify it’s edible, that’s where the fun begins. A great example of this is something like celery, which I buy often. I was discarding the celery leaves for years, only to find out they taste almost exactly like parsley and make a great base for a tabouleh style salad."

Is PlantYou vegan?

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Yes, a lot of PlantYou's recipes are vegan, and they're all plant-based! Some of Carleigh's favorite recipes include mocha chocolate granola with spent coffee grounds, "chips" made out of beet greens, and pickle juice as a marinade (which is something I learned Chick-Fil-A does!). These recipes might sound intimidating or time-consuming, but that's exactly why Carleigh's PlantYou social media exists.

I can speak from experience that the videos are easy to both understand and put into practice. (Plus, the recipes are super versatile, because "when you’re cooking with just plants, if you screw something up, you can almost always fix it!"). But there are a few steps that always make these scrappy processes easier.

"The low hanging fruit to reducing food waste in your kitchen actually starts before you grocery shop," Carleigh says. "I always recommend people sit down for an hour one day a week, and make a really basic meal plan, outlining what they plan to eat for breakfast, lunch, and dinner. Then, before they head to the store, shop their fridge and pantry to avoid duplicate buying. Now it’s time to compile a shopping list, and only buy what you have a plan for! Done right, this will take care of 80 percent of your food waste."

What can I buy to save money on food?

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In addition to meal prepping (check out our favorite apps to reduce food waste, too!), the PlantYou chef + author recommends having a few recipes that use up a bunch of ingredients in one go. "It’s really important to lean on staple recipes that allow you to 'clean out the fridge,' which is really what my new Scrappy cookbook is about," Carleigh Bodrug says. "I wanted to arm people with great base recipes (like stews, curries and stir fries), where they can interchange the vegetables and produce items they have on hand every week to reduce waste and save money."

"By using up leftovers, repurposing ingredients, and being more mindful about the food you’re bringing into your home, you'll notice a decrease in your grocery bill," she continues. "The average American family of four wastes over $1700 worth of groceries per year — which is like a phone bill every month! Not only does being Scrappy benefit your wallet, but it also feels great knowing you're making healthier choices and contributing to a more sustainable planet."

Okay, so you know what you want to eat, and you've budgeted for groceries, what now? "I look for ingredients that are versatile and can be used in multiple recipes to minimize waste," Carleigh says. "Quality, longevity, and sustainability are key factors in my purchasing decisions."

What is the proper way to store food?

Image via B+C

After you've whipped up recipes like the Fiesta Fries below, it's important to store them properly to ensure they're fresh for as long as possible. "Use quality food storage and meal prep containers, and keep fruits and vegetables separate to prevent them from spoiling," Carleigh tells me. "Different types of food will require different conditions for optimum long-term storage. This applies to fresh produce, as well as dry and canned foods."

We all have days we don't want to cook (PlantYou's Carleigh Bodrug included), which is the perfect opportunity to support a local business. "On days when I don't feel like cooking, I usually rely on quick and easy options like smoothie bombs from my freezer, which are in my new cookbook," she says. "I also often have homemade soup ready to go that I’ve made in advance or have frozen in the freezer. Sometimes, my husband and I opt for ordering in from local restaurants in our small town in Ontario, especially on Friday nights after a long work week. It's a convenient way to support our favorite vegan small businesses while enjoying a hassle-free meal."

PlantYou's Fiesta Fries — Delicious Loaded Fries You Can Make Today!

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Ingredients:

  • 6 medium-size Yukon Gold potatoes, sliced to desired size, around 1/2 to 3/4 inch recommended
  • 1 tablespoon garlic powder
  • 1 tablespoon salt
  • 2 cups Vegan Ground Beef or your favorite vegan ground beef substitute
  • 1 (15-ounce) can black beans, pinto beans, or red kidney beans, drained and rinsed
  • 1 yellow or red onion, diced
  • 1 red bell pepper, seeded and diced 2 garlic cloves, minced
  • 1 teaspoon ground cumin
  • 1 tablespoon chili powder
  • 1 to 2 tablespoons water or extra-virgin olive oil

Suggested Toppings:

  • 1 tomato, diced
  • 1 jalapeño pepper, seeded and diced Handful of fresh cilantro (optional)
  • Juice of 1 lime
  • 1/2 cup Sunflower Cream Sauce

Instructions:

  1. Preheat the oven to 375°F, and line a baking sheet with a reusable baking mat or parchment paper.
  2. In a bowl, combine the sliced potatoes with the garlic powder and salt and toss until coated.
  3. Transfer to the prepared baking sheet and roast for 35 minutes, or until crispy, flipping halfway through.
  4. Meanwhile, in a large skillet, combine the ground “beef” with the black beans, onion, red bell pepper, garlic, cumin, chili powder, and the water. Sauté over medium heat for 5 minutes, or until the onion starts to turn translucent.
  5. Assemble on a serving platter with the fries on the bottom, topped with the ground beef mixture and your desired toppings.

Excerpted from PlantYou: Scrappy Cooking: 140+ Plant-Based Zero-Waste Recipes That Are Good for You, Your Wallet, and the Planet by Carleigh Bodrug. Copyright © 2024. Available from Hachette Go, an imprint of Hachette Book Group, Inc.

Carleigh Bodrug is the CEO and Founder of PlantYou, a New York Times Bestselling cookbook author and self-taught plant-based chef, famous for her simple take on low-waste and vegan recipes. Boasting over ten million followers between her social channels, Carleigh has gripped social media with her simple and delicious low-waste recipes that make plants the star of the show.

Her latest book, PlantYou: Scrappy Cooking: 140+ Plant-Based Zero-Waste Recipes That Are Good for You, Your Wallet, and the Planet, is out NOW!

Check out our Weekend Scroll for more delicious recipes!

Brit + Co. may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

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May is Asian/Pacific American Heritage Month and what better time than right now to highlight some of our favorite AAPI founders. From artists to creators to designers and beyond, these entrepreneurs are charting their own creative paths and bringing fresh ideas to the world, making it a little brighter, a little more colorful, and a better place for all. Check them out and their brands, and prepare to be inspired!

Giselle Go, Cofounder of DAMDAM

The former editor in chief of Harper's Bazaar Singapore (the youngest to hold the title at just 26) turned skincare entrepreneur is Philippine-born and sought to build a clean skincare brand as an ode to the Japanese culture she loved and respected so deeply. Enter DAMDAM, a brand dedicated to preserving ancient Japanese beauty regimens, such as "osoji" and "mochi had," heritage Japanese beauty ingredients like the Shiso Plant and Komenuka Oil, and a team of partners and vendors that collaborate with the brand by creating hand-crafted atelier and preserve Japanese land through regenerative farming practices. The brand is a 5-star best seller on Sephora and one that's hoping to inspire more people to partake in minimalist routines that place an emphasis on mindfulness.

Yanghee Paik, CEO and co-founder of Rael

“I like to call myself an accidental entrepreneur," says Yanghee Paik, a former Hollywood exec who co-founded Rael feminine care products. "I was looking for new inspiration and ways to make a bigger impact on people’s lives when I met my other co-founders.” Together, they saw an opportunity to bring safe and effective technology of Korean feminine care products to the U.S. market. Rael’s first organic cotton pads launched in 2017 and became #1 best-selling pad on Amazon. All Rael period care products are developed without toxins and are hypoallergenic, soft, and breathable. The packaging is also something you don't mind leaving on your countertop.;)

Dev Heyrana, Fine Artist and Hip Hop Dance Teacher

Heyrana's particular brand of creativity is one-of-a-kind. She manages to be warm, welcoming and woke, with a focus on inclusivity, social justice and motherhood that comes through in every piece of art she creates. Born in The Philippines and immigrated to the U.S. when she was 9 years old, her family comes from the island of Cebu. "I'm a proud Cebuana. My childhood in the Philippines felt like freedom. I had my swimsuit in my backpack for whenever we decided to swim and I biked everywhere." But immigrating wasn't easy as a child. "I witnessed racism towards my family and didn't know how to make sense of it," she told us in our Creative Crushin' series."These events left a mark. I was a quiet kid and observed everything and everyone around me. I think about my grandparents, Lolo Jose and Lola Rita, a lot as I walk through life. When I make decisions. As hard as it feels, you have two choices, do you let it take you down or take it one step at a time forward. I kept going and it really shaped me as to why I am the way I am today."

Trisha Okubo, Founder of Maison Miru

Trisha Okubo (pictured center) started out as a Stanford engineer but always had a passion for fashion, sculpture and architecture. She discovered the magic of making jewelry, intersecting form and function, art and science, order and chaos. "It’s wearable sculpture, a thing of beauty that captures your magic: your experiences and memories of the people you love," she says. "Miru in its native Japanese is evocative of sight. It is a reminder to open your eyes, to see the world in a new way." Maison Miru is launching its limited edition jewelry collection today, in collaboration with Heart of Dinner, a non-profit organization that provides hot meals for the most vulnerable Asian elderly community around Manhattan's Chinatown area, in honor of AAPI Heritage Month. The Heart of Dinner System Kit features three styles curated by Heart of Dinner founders Yin Chang and Moonlynn Tsai (pictured left and right). Made to be waterproof, sweatproof, and life-proof, the kit will include the Classic Heart Nap Earrings, Shooting Star Open Hoops, and Classic Arc Ear Cuff. 20% of the proceeds from the kit will be donated to Heart of Dinner.

Lin Chen, Founder of Pink Moon

A Brit + Co Self Care Award winner, Pink Moon is an online shop where you can find eco self-care, wellness, and lifestyle brands, with more than 30 percent of them being founded by women of color. When launching Pink Moon's in-house collection, Lin made the decision to create it as an open love letter for her Chinese heritage with the launch of a gua sha tool and accompanying face oil. Aromatherapy also plays a big role in Pink Moon's self-care in-house collection with original blends in signature candles, body/hair oils and more. 1% of Pink Moon's revenue goes to a nonprofit of your choice with every purchase.

Fiona Co Chan, Founder of Youthforia

Fiona founded Youthforia from the ground up while living in Hong Kong during the pandemic. An econ major who worked in business development for a software startup, she found that frequent travel to China was hard on her skin. She founded Youthforia, a makeup brand made famous on TikTok, uses plant-based ingredients and functions like skincare you can sleep in!

Rachel and Jiyoon Han, Founders of Bean & Bean Coffee

Not only did this mother daughter duo found Bean & Bean, but they're both certified Q graders (or coffee sommeliers)! The brand first got their start in 2008, after Jiyoon's parents immigrated from South Korea and opened the first ever roastery in Queens, NY. They're focused on ethically-sourced product, supply chain transparency, and Female Equity in Coffee.

Farah Jesani, Founder of One Stripe Chai

A daughter of South Asian immigrants, Farah Jesani started her career in NYC's corporate world. I graduated from the University of Georgia with a business degree and moved to NYC to work in the corporate world. She soon realized that the chai options offered at coffee shops didn't really reflect the bold and flavorful chai she grew up drinking. That's when the seeds for One Stripe Chai were planted...Founded in 2015, One Stripe Chai combines rich, spicy masala chai with black tea for an all natural chai concentrate that even the pickiest chai drinkers will love.

Tina Chow Rudolf, Founder of Strange Bird

Rudolf's fascination with beauty and skincare originates from watching generations of mothers before her. Her grandmother would give her mother facials using egg whites, cucumber, ginger and ginseng — all ingredients from their kitchen. Strange Bird (also her husband's nickname for her) is a plant-based and crystal-charged beauty brand that combines ancient Chinese beauty traditions with high vibrational alchemy to help women create a daily practice that supports their skin goals and their life goals. Products include ingredients such as ginger, ginseng and goji berry in organic blends as well as flower and gem essences such as amethyst, rose quartz and crab apple.

Clara Jung, Founder of Banner Day Interiors

Clara left a career in corporate law to start Banner Day Interiors when she realized that legal research and courtroom appearances didn't satisfy her creative desires. Her creative and comfortable style helps her clients transform ordinary rooms into stylish spaces. Originally from Los Angeles, Clara attended Cal and fell in love with the charm of Berkeley (shortly after graduating, she joined the Peace Corps in Nepal teaching English), where she now lives.

Sravya Adusumilli, founder of Mango People

Chemical engineer turned beauty entrepreneur Sravya Adusumilli was inspired by her South Asian roots when creating the plant-based multi-functional makeup brand beloved by TikTok. She struggled to find a brand that was truly clean and inclusive of all skin-tone shades so she began experimenting and researching Ayurvedic rituals and teachings to utilize powerful plants and pigment-rich fruits, flowers, and herbs to heal the body, mind, and spirit. After five years of intensive research and several iterations later, Mango People was born.

Ming Yi and Ching Yeh Chen, Founders Of Pearl River Mart

This duo founded Pearl River Mart in 1971 as the world's first Chinese American department store. People of all backgrounds can learn about Asian history and culture beyond NYC through their online site. Pearl River Mart has two events to celebrate AAPI heritage, including"Just Between Us," a new exhibition curated by Arlan Huang in partnership with Think!Chinatown at their SoHo location starting 5/4 and Pearl River Mart's Second Annual AAPIHM Sunset Celebration in conjunction with Lunar Hard Seltzer and Gold House will be held at their Chelsea Market location on 5/19.

Jennifer Tsay, Co-Founder & CEO of Shoott

Jennifer Tsay is a SAG-AFTRA actor whose personal experience with "side hustles" led her to launch a company that puts creatives and freelancers first. Shoott seeks to make professional photography more accessible to everyone with "Insta-worthy" 30-minute outdoor photo sessions that are free to book online and allow customers to pay only for photos they love at $15 per photo or less. In spite of the pandemic, demand for bookings grew and the company is now available in 600 locations across 60+ cities nationwide.

Diane Reade, Founder of MO MI

Diane's mother and grandmother raised her with holistic, naturopathic, aromatherapy and encouraged her to seek wellness beauty rituals. Diane says her Asian heritage inspires her creative process when sourcing plant-based ingredients that have been used for centuries. Her personal care brand MO MI is animal- and planet-friendly and incorporates values from Diane's heritage and from time spent living, working and traveling in Europe and Asia.

Eunice and Sabrina Moyle, Founders Hello!Lucky

Eunice and Sabrina are bi-racial Chinese-white sisters who grew up in Asia and Africa. They founded Hello!Lucky in 2003 as a letterpress greeting card studio with a distinctive humor and style inspired by their Asian and Midwestern roots. Since then, Hello!Lucky has grown to become a design and licensing studio with the mission of delivering joy, creativity, and connection through their products, which include greeting cards, best-selling children's books, and home goods. They are committed to supporting the highest good of their customers and promoting self-awareness and social justice. They published Sloth and Smell the Roses, a children's board book on mindfulness and self-compassion and in 2018 published Be the Change: The Future Is In Your Hands, a DIY book for girls and women about using creativity to inspire community and civic action. Sabrina serves as Board President of @mosaicproject, an Oakland-based youth non-profit that provides immersive, experiential learning in building inclusive, equitable, peaceful communities.You can follow along with Eunice and Sabrina @helloluckycards and @helloluckykids.

Joy Cho, Founder and Creative Director of Oh Joy!

LA-based Joy Cho exploded in the world of licensing with home decor, kids, pet, and furniture collections with brands such as Target, Band-Aid, Calpak, Petco, Keds, and more. She has authored six books and consulted for hundreds of creative businesses around the world. For two years in a row, Joy was named one of Time's 30 Most Influential People on the Internet and has the most followed account on Pinterest with over 14 million followers.

Andrea Xu, Co-founder and CEO, Umamicart

Conceived by Andrea Xu to serve as a one-stop-shop for home cooks, Umamicart, an online market, prioritizes Asian American-led businesses, immigrant-led businesses, and the mom-and-pop suppliers and producers behind consumers' favorite heritage brands, as well as the inspiring Asian American founders that are reinterpreting traditional flavors with new and personal products.

Angela Chau Gray + Ervina Wu, Co-Founders of YINA

YINA is a beauty and wellness brand based in California whose mission is to demystify and enliven Chinese Medicine. Co-founded by Dr. Ervina Wu, a licensed in TCM, the brand features products for skincare, wellness and more.

Vicky Tsai, Founder of Tatcha

One of our favorite Teach Me Something New podcast guests, Tsai's personal skincare routine (equal parts skincare + meditation) is as impressive as it is inspiring. Her customers include celebrities like Meghan Markle and Kim Kardashian who are fans of her Japanese skincare products, which are based in ancient Geisha beauty practices. For Vicky, skincare *is* self care, and we all need to take time for ourselves to wash away the day, and start fresh each morning.

Syama Meagher, Co-Founder of Rendall Co.

Syama Meagher originally planned to launch Rendall Co. as a home goods brand featuring aprons but pivoted to premium face masks at the beginning of the pandemic in March 2020. The styles were bestsellers and now the brand finally launched its collection of aprons, which feature durable chambray and denim fabrics and professional quality workmanship. We love our Bistro apron!

Hanna Chiou, Co-Founder of Habbi Habbi

Hanna Chiou grew up in the U.S. speaking her parent's native language Mandarin but not reading it. "It's challenging because Chinese is character-based so most books from Asia are intimidating because there are a sea of characters — and speaking doesn't translate to reading," she told us. Habbi Habbi was her answer to accessibility and ease of learning with a set of language books that kids can tap with the simplicity of a translating wand (our kids love theirs!).

Justine Tiu & Adrian Zhang, Co-Founders of The Woobles

We love this online learning platform for crochet. The brand sells beginner crochet kits that have been designed leveraging UX research and customer feedback to push through initial frustrations of learning a DIY art through remote learning.

Kirstie Wang, Founder of A Jar of Pickles

Kirstie Wang started A Jar of Pickles with $200 as a side hobby business that eventually grew multi-6 figures in revenue while she worked full-time jobs in UX design and marketing. She started it as a hobby Etsy shop in college after teaching herself digital design. She recently took the leap and quit her full-time job to grow A Jar of Pickles, pursuing her passion to share what she's learned by coaching other small business owners. You can enroll in her Selfmade course, Organic Social Media Growth, starting on May 25.

Image via Clar Ngai-Howard/Instagram

Clare Ngai, Founder of BONBONWHIMS

Before Clar Ngai launched BONBONWHIMS, she moved to the U.S. at the age of 19 to study journalism. From there, she's been working in the fashion industry for the past 10 years. Her experience with the digital and influencer aspects of fashion have come in handy because BONBONWHIMS speaks to several generations with its Y2K appeal.

It was during the pandemic that she began creating the bones of BONBONWHIMS to fuel her own passion and raise awareness for BIPOC organizations like Stop AAPI Hate.

Since its creation, BONBONWHIMS has been featured on stars like Megan Thee Stallion and Demi Lovato.

We are also big fans of our Selfmade members, including Christine Tong (above), founder of Christine My Linh, Shannon Huang, founder of The Soul Edit, Justine Pon of The Ponnery, Sruti Bharat of FutureMap, Koyun Fan, co-founder of Sticky Rice Sisters, and Poy T. Granati of Summer Space Studio.

To support the fight against anti-Asian racism, visit Stop AAPI Hate, a national coalition documenting and addressing anti-Asian discrimination.

Brit + Co may at times use affiliate links to promote products by others, but always offers genuine editorial recommendations.

This post has been updated.

Talking money doesn't have to feel monstrous — especially if you make it fun by setting a money date. No matter your current relationship to money, this should be a time that you set aside to demystify the basics, build a healthy relationship with money, and learn ways to grow your wealth. This intentional time together allows you to give your full attention to how you relate to money and how to create the habits and lay down a healthy foundation to create financial wellness. Hopefully, you'll walk away from your money date with a confident, stress-free relationship to money.

What is a money date?

Photo by Tima Miroshnichenko / PEXELS

A money date can take on many forms, but it should always align with where you are in life. If you're single — or choose to keep money separate in your relationship — then a money date can be carving out time for yourself 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. If you're in a relationship with combined finances, a money date can also be a way for you and your significant other to come together to talk about money and what matters most to each of you in a way that makes you comfortable and makes finances more approachable. TBH, even a group of friends can also get together with the purpose of focusing on money and topics that can help each of you gain better insights and strategies into reducing financial stress and building financial wellness and wealth.

How do you plan a money date?

Photo by KATRIN BOLOVTSOVA / PEXELS

A good starting point is to simply just...begin. One step leads into the next and before you know it, you've built life-long healthy money habits. But what does "beginning" actually look like? If you have a S.O., it's important to quickly chat with each other and establish the importance of money dates. Let them know that you want to work together to build healthy conversations around your goals and values with an emphasis on money and how that plays into your financial success. If you want to create a group of friends to have more structured conversations together, then think of 5-7 people that you think would be interested in the topic, add value to the conversation, and benefit from the discussion. And yes, even if you decide you want to focus on your money individually, you still need to structure it just like you structure time for your workouts!

No matter who you have your money date with, my best advice is to keep it consistent and have some guidelines. Being consistent means that you plan accordingly and you do the work if you want to enjoy the benefits. Set a time for individual or couple conversations — once a week for an hour is reasonable. For a group, once a month is more realistic. It will be more productive if you have the conversation in a place where you don't get distracted and where you have privacy as money can be a sensitive topic. Over a cup of coffee on the deck or a glass of wine on the couch, whatever works best for you.

What should you talk about on a money date?

Photo by Karolina Grabowska / PEXELS

There are a number of topics you should cover during a money date, which is why I suggest scheduling yours for one hour a week, same day, same time, and same place. You're establishing a habit and this is the best way for you to be consistent and reach your goal of financial health and wellness. The topics will be broad and then there should be opportunities for you to dig further down. My favorite break the ice question to get things started? Ask someone what's important to them about money.

Starting with this question will bring down some barriers and take the focus off how much money you have (quantitative) to what is important to you (qualitative). There will be plenty of time to go over numbers, but the first money date should be focused on dreams, goals, and values.

It's also critical to avoid money shaming during your conversation. Think about your relationship with money. How did you grow up learning about money? Did your parents fight about it? Was it a taboo subject that nobody spoke about? Or was there a scarcity of money? Think about it — these memories we have about money and our first introduction to money can have a negative affect on us that we don't even realize until we start to ask these questions. By starting conversations with qualitative questions first, you will quickly find out what your differences are and what the pain points are and help you identify the areas that you will need to discuss and work through more carefully.

After that, the first step in any of the following topics is to gather the information. Bring all the details with you to the date. There will be time to dig in deeper, have discussions around it, and make a decision or two — although don't worry about solving it all in one date. The point here is to make process based on the information you have at hand. The areas that you should address include the following:

  • Cash Flow: What's coming in (salary, income) and what's going out (expenses). There's no way around it — your expenses must be less than your income to be financially successful. Budgeting is usually the first place to start, but can also be the most difficult. It's okay to skip this one for now and come back to it if needed. Think of this as taking charge of your money one step at a time!
  • Debt: Credit cards, car loans, mortgages, student loans... no matter what type you have, debt can be challenging and ultimately set you back years financially if you don't address it the right way. There's definitely a difference between good debt and bad debt, and knowing which one is which is important to help you understand the best way to tackle this.
  • Retirement: It can be hard to think about retirement when you're in your earning or accumulation years. The key is to set up an automatic process where the money goes into your retirement accounts before it ever hits your bank account. You won't miss it if you don't see it.
  • Insurance/Protection: There are many reasons to transfer risk away from you onto an insurance company. Start with the basics — life, auto, home, and consider your company's benefits here as well.
  • Investing: The time value of money and compound interest are your best friends. Automating monthly deposits into your investment account is a great way to build wealth over time.
  • Estate Planning: Nobody likes to think of this one, but it's important to address. Retirement accounts and insurance falls outside of the will so be sure to update your beneficiaries annually(who you want to get your money if something were to happen to you). You will need at least the three basic documents as well - will, (who gets your money, assets and personal items) power of attorney (who can make financial decisions for you if you are unable to do so) and health care proxy (who can make medical decisions on your behalf)
  • Education: If you have kids and want to plan for the growing costs of college, 529s custodial accounts and other investments are available to help do so.
  • Philanthropy: Are you charitably inclined? Do you have causes that are important to you? Did you know that there are other ways to donate other than writing a check? You can also donate stock (Most who donate stock will donate appreciated stock, or stock that has gone up in value).

What happens after your money date?

Photo by Thirdman / PEXELS

Having an easy way to approach your money and having a system to manage your money will help you reduce stress around money and build confidence to move forward successfully. With the above plan, you can address both the quantitative side of your life as well as your qualitative side of your life to build wealth well. It's critical to explore the emotional side of money and what it means to you so you can better understand the best way for you to approach the dollars and sense of it.

If you're single and are thinking about when to start a money date — the best time to start is now. You're not too young and you're not too old. If you start today, you're one step closer to reaching financial peace of mind. Step one is set up time for your first date.

If you're in a relationship, the best time to start a money date is when you're beginning to discuss building a future together. When you have an SO, it takes the complications of money one step further as you each have a history with money that you bring to the table and to the relationship. Unchecked, it can cause challenges when it may be too late. Building habits early on and normalizing conversations about money will help you to implement the steps and actions that are needed to realize your goals together.

Having money dates on a regular basis will keep you consistent, disciplined, and focused financially. The benefits to a money date (and a lifelong process of money dates) is financial confidence — knowing where you stand, having the choice to do what you want with your time and money, and building a healthier, wealthier you. Money touches every aspect of your life, but money dates help you feel less stress, more in control, communicate better, and make better decisions in all of those aspects. By addressing this now, you're navigating complicated but important differences that you will want to work through together and start setting up healthy money habits now for your future.

Looking for more tools to help you jump start your road to financial freedom? Look for courses, classes, podcasts, books, spreadsheets, websites, instagram accounts that focus on to help address all things money. Check out my blogs on http://www.themoneydatebox.com where I share strategies and tools to help you get smarter about your money.

I love sappy, sweet-as-candy rom-coms. You know, the ones where two leads spend the entire movie pursuing other people only to realize they were in love with each other the whole time. The movie usually takes place in a big city or a small town (and sometimes both), there's a quirky best friend, and there's always a big declaration of love before the credits roll. And while these straightforward movies are always on my watchlist, I also love the wacky movies that involve hilarious misunderstandings, ridiculous fight scenes, and gravity-defying Dirty Dancing movies (yes, I'm talking about Emma Stone & Ryan Gosling'sCrazy Stupid Love here). Humor always makes a movie even more enjoyable to watch, and A Family Affair is as wacky as they come. The movie reunites Nicole Kidman and Zac Efron, who played opposite each other ten years ago, and this time, Joey King's added into the mix. Here's everything you need to know about the new summer movie.

What is the movie A Family Affair about?

Image via Netflix

Like any good rom com, A Family Affair is all about a surprising romance — just not the kind Zara might be hoping for. When her mother (Nicole Kidman) and her famous actor boss (Zac Efron) fall for each other, their newfound relationship complicates everyone's ideas of sex and identity, and Zara's entire life. And, just like you might expect when your boss and mother hook up, chaotic hilarity ensues.

When does A Family Affair come out?

You can watch A Family Affair on Netflix starting June 28.

Who's in the A Family Affair movie cast?

Image via Netflix

Joey King, Zac Efron, and Nicole Kidman lead this new rom-com, and they're joined by a few of our other favorite actors! A Family Affair also stars Liza Koshy and Kathy Bates.

What does A Family Affair mean?

Image via Netflix

A family affair refers to a situation that's connected to someone's family in one way or another. For me, being an adult has been all about establishing work-life balance, and I'm sure the same is true for Zara. I can't wait to see how this movie's unexpected romance turns everything upside down.

What else did Nicole Kidman and Zac Efron star in?

Image via Netflix

Before they were cast in A Family Affair, Zac Efron and Nicole Kidman played lovers in The Paperboy in 2012. Familiarity and comfort are two super important things in any romantic role, and I can already tell from these first look images that Zac and Nicole not only have awesome chemistry, but they're comfortable enough around each other to just have fun. And that's all we can ask for from a good movie!

What would YOU do if your boss and one of your parents hooked up? Let us know in the comments and on Facebook!

Lead image via Netflix

From running on 3 hours of sleep to constant diaper changes, mamas do so much. We've teamed up with @diapergenieofficial for a special Mother’s Day gift to make things easier for new moms: receive a FREE Diaper Genie Select Pail with square refill technology, plus enough refills to get you off to a great start! The giveaway will consist of one Select Pail + four Jumbo Refills for an associated value of up to $118. Say goodbye to diaper odors in style with this sleek, easy-to-use pail. The winner will also receive a $500 Amazon gift card to shop for all their baby and household needs. Check the deets below!

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