Budgetind Advice
@smartbudgetip.bsky.social
Your guide to personal finance!
How to save, tackle debt, invest wisely, and build a stable financial future.
Tips to help you take control of your money
How to save, tackle debt, invest wisely, and build a stable financial future.
Tips to help you take control of your money
Golden rule for stocks:
— Buy businesses, not charts
— Trust but verify
— Your system = your edge
— Buy businesses, not charts
— Trust but verify
— Your system = your edge
July 19, 2025 at 9:04 AM
Golden rule for stocks:
— Buy businesses, not charts
— Trust but verify
— Your system = your edge
— Buy businesses, not charts
— Trust but verify
— Your system = your edge
3 must-read stock books:
— The Intelligent Investor
— One Up on Wall Street
— Common Stocks, Uncommon Profits
— The Intelligent Investor
— One Up on Wall Street
— Common Stocks, Uncommon Profits
July 18, 2025 at 8:57 AM
3 must-read stock books:
— The Intelligent Investor
— One Up on Wall Street
— Common Stocks, Uncommon Profits
— The Intelligent Investor
— One Up on Wall Street
— Common Stocks, Uncommon Profits
“Forever stock” portfolio idea:
— $AAPL
— $MSFT
— $JNJ
— $V
— $BRK.B
— Rebalance annually
— $AAPL
— $MSFT
— $JNJ
— $V
— $BRK.B
— Rebalance annually
July 17, 2025 at 8:57 AM
“Forever stock” portfolio idea:
— $AAPL
— $MSFT
— $JNJ
— $V
— $BRK.B
— Rebalance annually
— $AAPL
— $MSFT
— $JNJ
— $V
— $BRK.B
— Rebalance annually
Monthly stock buying plan:
— Set fixed amount
— Buy in first 5 days
— Split across 2–3 picks
— Save some for dips
— Set fixed amount
— Buy in first 5 days
— Split across 2–3 picks
— Save some for dips
July 16, 2025 at 9:02 AM
Monthly stock buying plan:
— Set fixed amount
— Buy in first 5 days
— Split across 2–3 picks
— Save some for dips
— Set fixed amount
— Buy in first 5 days
— Split across 2–3 picks
— Save some for dips
How to measure returns:
— (Sell – Buy) value
— Add dividend income
— Divide by investment
— × 100 for %
— (Sell – Buy) value
— Add dividend income
— Divide by investment
— × 100 for %
July 15, 2025 at 9:04 AM
How to measure returns:
— (Sell – Buy) value
— Add dividend income
— Divide by investment
— × 100 for %
— (Sell – Buy) value
— Add dividend income
— Divide by investment
— × 100 for %
Stock quality filters:
— Profit growth trend
— ROE > 15%
— 5+ years of dividends
— Debt-to-equity < 1
— Profit growth trend
— ROE > 15%
— 5+ years of dividends
— Debt-to-equity < 1
July 14, 2025 at 4:00 AM
Stock quality filters:
— Profit growth trend
— ROE > 15%
— 5+ years of dividends
— Debt-to-equity < 1
— Profit growth trend
— ROE > 15%
— 5+ years of dividends
— Debt-to-equity < 1
Prep yourself to trade:
— Create a checklist
— Define financial goals
— Know your risk profile
— Set your tools in place
— Create a checklist
— Define financial goals
— Know your risk profile
— Set your tools in place
July 12, 2025 at 9:03 AM
Prep yourself to trade:
— Create a checklist
— Define financial goals
— Know your risk profile
— Set your tools in place
— Create a checklist
— Define financial goals
— Know your risk profile
— Set your tools in place
Buy-and-hold strategy:
— Pick 10 solid stocks
— Invest monthly
— Hold 5+ years
— Rebalance annually
— Pick 10 solid stocks
— Invest monthly
— Hold 5+ years
— Rebalance annually
July 11, 2025 at 10:59 AM
Buy-and-hold strategy:
— Pick 10 solid stocks
— Invest monthly
— Hold 5+ years
— Rebalance annually
— Pick 10 solid stocks
— Invest monthly
— Hold 5+ years
— Rebalance annually
FINANCIAL CHECK-UP WEEKEND
— REVIEW ALL ACCOUNTS
— CHECK EXPENSE TRENDS
— TRACK NET WORTH
— CANCEL UNUSED SUBS
— SET NEXT MONTH GOALS
— UPDATE INVESTMENTS
— REVIEW ALL ACCOUNTS
— CHECK EXPENSE TRENDS
— TRACK NET WORTH
— CANCEL UNUSED SUBS
— SET NEXT MONTH GOALS
— UPDATE INVESTMENTS
July 11, 2025 at 9:01 AM
FINANCIAL CHECK-UP WEEKEND
— REVIEW ALL ACCOUNTS
— CHECK EXPENSE TRENDS
— TRACK NET WORTH
— CANCEL UNUSED SUBS
— SET NEXT MONTH GOALS
— UPDATE INVESTMENTS
— REVIEW ALL ACCOUNTS
— CHECK EXPENSE TRENDS
— TRACK NET WORTH
— CANCEL UNUSED SUBS
— SET NEXT MONTH GOALS
— UPDATE INVESTMENTS
Bear market playbook:
— Keep cash ready
— Buy strong companies on dips
— Don’t panic
— Review your allocation
— Keep cash ready
— Buy strong companies on dips
— Don’t panic
— Review your allocation
July 10, 2025 at 11:00 AM
Bear market playbook:
— Keep cash ready
— Buy strong companies on dips
— Don’t panic
— Review your allocation
— Keep cash ready
— Buy strong companies on dips
— Don’t panic
— Review your allocation
CREDIT CARD RULES
— PAY IN FULL
— DON’T MAX OUT
— AVOID POINT OBSESSION
— USE FOR NECESSITIES
— NEVER FINANCE LUXURIES
— CANCEL UNUSED ONES
— PAY IN FULL
— DON’T MAX OUT
— AVOID POINT OBSESSION
— USE FOR NECESSITIES
— NEVER FINANCE LUXURIES
— CANCEL UNUSED ONES
July 10, 2025 at 8:58 AM
CREDIT CARD RULES
— PAY IN FULL
— DON’T MAX OUT
— AVOID POINT OBSESSION
— USE FOR NECESSITIES
— NEVER FINANCE LUXURIES
— CANCEL UNUSED ONES
— PAY IN FULL
— DON’T MAX OUT
— AVOID POINT OBSESSION
— USE FOR NECESSITIES
— NEVER FINANCE LUXURIES
— CANCEL UNUSED ONES
Stock income formula:
— Capital gains
— + Dividends
— + Reinvestments
— + Time = Compounding
— Capital gains
— + Dividends
— + Reinvestments
— + Time = Compounding
July 9, 2025 at 5:59 PM
Stock income formula:
— Capital gains
— + Dividends
— + Reinvestments
— + Time = Compounding
— Capital gains
— + Dividends
— + Reinvestments
— + Time = Compounding
BUILD A WEALTHY MINDSET
— VALUE PATIENCE
— LOVE COMPOUNDING
— AVOID SHOWING OFF
— CONTROL EMOTIONS
— RESPECT LONG GAME
— THINK IN DECADES
— VALUE PATIENCE
— LOVE COMPOUNDING
— AVOID SHOWING OFF
— CONTROL EMOTIONS
— RESPECT LONG GAME
— THINK IN DECADES
July 9, 2025 at 10:56 AM
BUILD A WEALTHY MINDSET
— VALUE PATIENCE
— LOVE COMPOUNDING
— AVOID SHOWING OFF
— CONTROL EMOTIONS
— RESPECT LONG GAME
— THINK IN DECADES
— VALUE PATIENCE
— LOVE COMPOUNDING
— AVOID SHOWING OFF
— CONTROL EMOTIONS
— RESPECT LONG GAME
— THINK IN DECADES
SMART SPENDING FILTERS
— WILL THIS GROW ME?
— DOES IT SOLVE?
— WILL I REGRET IT?
— IS IT RECURRING?
— CAN I AFFORD 3×?
— WAIT 24 HOURS
— WILL THIS GROW ME?
— DOES IT SOLVE?
— WILL I REGRET IT?
— IS IT RECURRING?
— CAN I AFFORD 3×?
— WAIT 24 HOURS
July 9, 2025 at 9:00 AM
SMART SPENDING FILTERS
— WILL THIS GROW ME?
— DOES IT SOLVE?
— WILL I REGRET IT?
— IS IT RECURRING?
— CAN I AFFORD 3×?
— WAIT 24 HOURS
— WILL THIS GROW ME?
— DOES IT SOLVE?
— WILL I REGRET IT?
— IS IT RECURRING?
— CAN I AFFORD 3×?
— WAIT 24 HOURS
Want ethical investing?
— Look for ESG scores
— Check business ethics
— Avoid polluters & arms
— Choose green ETFs
— Look for ESG scores
— Check business ethics
— Avoid polluters & arms
— Choose green ETFs
July 8, 2025 at 7:04 PM
Want ethical investing?
— Look for ESG scores
— Check business ethics
— Avoid polluters & arms
— Choose green ETFs
— Look for ESG scores
— Check business ethics
— Avoid polluters & arms
— Choose green ETFs
RETIREMENT PREP LIST
— ESTIMATE TARGET NUMBER
— TRACK SAVINGS RATE
— USE TAX SHELTERS
— INVEST IN ETFS
— SIMULATE INCOME SCENARIOS
— SET AUTOMATED FLOW
— ESTIMATE TARGET NUMBER
— TRACK SAVINGS RATE
— USE TAX SHELTERS
— INVEST IN ETFS
— SIMULATE INCOME SCENARIOS
— SET AUTOMATED FLOW
July 8, 2025 at 5:56 PM
RETIREMENT PREP LIST
— ESTIMATE TARGET NUMBER
— TRACK SAVINGS RATE
— USE TAX SHELTERS
— INVEST IN ETFS
— SIMULATE INCOME SCENARIOS
— SET AUTOMATED FLOW
— ESTIMATE TARGET NUMBER
— TRACK SAVINGS RATE
— USE TAX SHELTERS
— INVEST IN ETFS
— SIMULATE INCOME SCENARIOS
— SET AUTOMATED FLOW
BUILD FINANCIAL CONFIDENCE
— LEARN DAILY
— START SMALL
— TRACK WINS
— REWARD DISCIPLINE
— REDUCE DECISIONS
— IGNORE COMPARISON
— LEARN DAILY
— START SMALL
— TRACK WINS
— REWARD DISCIPLINE
— REDUCE DECISIONS
— IGNORE COMPARISON
July 8, 2025 at 10:57 AM
BUILD FINANCIAL CONFIDENCE
— LEARN DAILY
— START SMALL
— TRACK WINS
— REWARD DISCIPLINE
— REDUCE DECISIONS
— IGNORE COMPARISON
— LEARN DAILY
— START SMALL
— TRACK WINS
— REWARD DISCIPLINE
— REDUCE DECISIONS
— IGNORE COMPARISON
Stop “pausing” investments in bear markets.
That’s when wealth is built — quietly.
That’s when wealth is built — quietly.
July 8, 2025 at 8:56 AM
Stop “pausing” investments in bear markets.
That’s when wealth is built — quietly.
That’s when wealth is built — quietly.
Control risk when investing:
— Never put 10%+ in one stock
— Keep cash buffer
— Diversify sectors
— Rebalance annually
— Never put 10%+ in one stock
— Keep cash buffer
— Diversify sectors
— Rebalance annually
July 7, 2025 at 6:59 PM
Control risk when investing:
— Never put 10%+ in one stock
— Keep cash buffer
— Diversify sectors
— Rebalance annually
— Never put 10%+ in one stock
— Keep cash buffer
— Diversify sectors
— Rebalance annually
SIMPLE FINANCIAL WEEKLY PLAN
— MON: SET GOALS
— TUE: TRACK EXPENSES
— WED: LEARN 1 THING
— THU: SELL/OPTIMIZE
— FRI: INVEST CHECK
— WEEKEND: OFF + REVIEW
— MON: SET GOALS
— TUE: TRACK EXPENSES
— WED: LEARN 1 THING
— THU: SELL/OPTIMIZE
— FRI: INVEST CHECK
— WEEKEND: OFF + REVIEW
July 7, 2025 at 6:01 PM
SIMPLE FINANCIAL WEEKLY PLAN
— MON: SET GOALS
— TUE: TRACK EXPENSES
— WED: LEARN 1 THING
— THU: SELL/OPTIMIZE
— FRI: INVEST CHECK
— WEEKEND: OFF + REVIEW
— MON: SET GOALS
— TUE: TRACK EXPENSES
— WED: LEARN 1 THING
— THU: SELL/OPTIMIZE
— FRI: INVEST CHECK
— WEEKEND: OFF + REVIEW
ETF RESEARCH STEPS
— CHECK FEE %
— LOOK AT HOLDINGS
— READ STRATEGY
— TRACK 5Y RETURN
— COMPARE ALTERNATIVES
— WATCH VOLATILITY
— CHECK FEE %
— LOOK AT HOLDINGS
— READ STRATEGY
— TRACK 5Y RETURN
— COMPARE ALTERNATIVES
— WATCH VOLATILITY
July 7, 2025 at 10:57 AM
ETF RESEARCH STEPS
— CHECK FEE %
— LOOK AT HOLDINGS
— READ STRATEGY
— TRACK 5Y RETURN
— COMPARE ALTERNATIVES
— WATCH VOLATILITY
— CHECK FEE %
— LOOK AT HOLDINGS
— READ STRATEGY
— TRACK 5Y RETURN
— COMPARE ALTERNATIVES
— WATCH VOLATILITY
Forget FIRE without ETFs.
They’re the foundation.
Not a bonus.
They’re the foundation.
Not a bonus.
July 7, 2025 at 8:58 AM
Forget FIRE without ETFs.
They’re the foundation.
Not a bonus.
They’re the foundation.
Not a bonus.
RISK MANAGEMENT RULES
— 1% PER TRADE
— MAX 3 TRADES/DAY
— STOP BEFORE LOSS
— TAKE PROFITS EARLY
— SIZE DOWN FAST
— NO “REVENGE” TRADES
— 1% PER TRADE
— MAX 3 TRADES/DAY
— STOP BEFORE LOSS
— TAKE PROFITS EARLY
— SIZE DOWN FAST
— NO “REVENGE” TRADES
July 7, 2025 at 3:56 AM
RISK MANAGEMENT RULES
— 1% PER TRADE
— MAX 3 TRADES/DAY
— STOP BEFORE LOSS
— TAKE PROFITS EARLY
— SIZE DOWN FAST
— NO “REVENGE” TRADES
— 1% PER TRADE
— MAX 3 TRADES/DAY
— STOP BEFORE LOSS
— TAKE PROFITS EARLY
— SIZE DOWN FAST
— NO “REVENGE” TRADES
DIGITAL SIDE HUSTLES
— COPYWRITING
— AFFILIATE LINKS
— ONLINE COACHING
— PAID NEWSLETTERS
— GUMROAD PRODUCTS
— TEMPLATES + TOOLS
— COPYWRITING
— AFFILIATE LINKS
— ONLINE COACHING
— PAID NEWSLETTERS
— GUMROAD PRODUCTS
— TEMPLATES + TOOLS
July 6, 2025 at 3:57 AM
DIGITAL SIDE HUSTLES
— COPYWRITING
— AFFILIATE LINKS
— ONLINE COACHING
— PAID NEWSLETTERS
— GUMROAD PRODUCTS
— TEMPLATES + TOOLS
— COPYWRITING
— AFFILIATE LINKS
— ONLINE COACHING
— PAID NEWSLETTERS
— GUMROAD PRODUCTS
— TEMPLATES + TOOLS
Never invest without rebalancing.
Even ETFs drift.
Adjust yearly — or lose control.
Even ETFs drift.
Adjust yearly — or lose control.
July 5, 2025 at 10:57 AM
Never invest without rebalancing.
Even ETFs drift.
Adjust yearly — or lose control.
Even ETFs drift.
Adjust yearly — or lose control.