The Red Money

Personal Budget Template for 2023 (Excel Download)

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If you’re looking for a budget to use as we head into 2023 to get your financial life back in order, then here is the best personal budget template in excel. It’s not even subjective, it’s 100% literally the best budget financial template you can use.

Now, I may be biased because I created this budget…and all jokes aside, it is entirely subjective. What works for me may not work for you. But what I tried to create with this financial template is something that is completely designed for people who live paycheck to paycheck and want to set goals to move beyond that. [Read more…]

Should You Invest in the Stock Market (If You’re Still in Debt-Part 2)

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It’s March of 2021 and we’ve reached the one-year anniversary of the stock market crash where it dropped at historical rates. We had the fastest sell-off ever, and therefore one of the biggest bull markets in history after. Recently we’ve now seen the S&P 500, Dow Jones, and the NASDAQ drop the last several weeks with a bit of a market correction. So again, here we are, and you should be asking yourself if you should invest in the stock market, even if you’re still in debt. [Read more…]

Change How You Think About Money

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If you don’t like your financial situation, then you have to change how you think about money. Of course, plenty of people are doing just fine financially and in that case, may not need to make any adjustments. But the truth is most people are living paycheck to paycheck with a massive amount of debt. If that’s the case, you may want to read this. [Read more…]