Author: Alaya

8 Reasons Why Your Budget Doesn’t Work

best of budgeting, budgeting, frugal living, relationships + money, saving

Over the years, I have tried many different approaches to budgeting. Most of them did not work. When I ask a potential client if they live on a monthly budget, most say, “Yes,” followed by a few sentences that essentially equate to, “ No.” There are many reasons why…

Have Hope

debt, encouragement, saving

We’re never going to get from under this mountain of debt. We’re always going to be in debt. We’re always going to live paycheck-to-paycheck. We’ll always have this car payment/student loan/credit card/fill-in-the-blank. It would take a miracle for things to change.

Welcome!

all

Hello! Welcome to Hope+Cents. I’m Alaya, and my purpose in writing this blog is to share with you the hope I’ve gained and the things I’ve learned in the area of finances, along of course, with my two cents!