Atlanta is one of the biggest cities in the country and it’s brimming with creativity and energy—Varo’s flexible mobile banking app helps Atlantans get ahead.

Commencement speeches can fill anyone with hope and optimism. But as with any period of transition, taking the next step and entering the real world can be a little scarier — even overwhelming at times.

That’s why we’re fans of checklist. Having a list of to-dos can make working through an overwhelming situation easier. You can focus on one task, check it off, and move on to the next. These aren’t in any particular order, but we do suggest starting with the first one, and maybe leaving it unchecked so you can return to it in the coming months.


Completing college — or other relevant milestone — is no easy task, and you should take time to celebrate your accomplishment. When you hit a roadblock, take a moment to (figuratively) step back and remind yourself of what you’ve already achieved.

Own the job hunt

Unless you’re one of the lucky few who has a job lined up before graduation, one of your top priorities may be finding work. After all, the real world isn’t much fun without a real income.

There are a lot of ways to approach a job hunt. You might want to try a job that seems interesting even if it’s not related to your degree. Or, perhaps you’re ready to jump right into a career based on what you’ve learned. Either way, here are a few things that can help you stand out from the crowd of applicants:

Ask for informational interviews. Reach out to professionals who are already working in jobs that interest you and ask for an informational interview. You could meet up for coffee or schedule a phone call. And don’t delay — many people are eager to help recent graduates.

You can find potential interviewees in your alumni network, on LinkedIn, by asking family friends, and at local business-oriented events. You can gain insight into what the work is like, recent developments in the industry, and might even get referred for a job.

Tailor your cover letter and resume for the job. No, really. It takes extra work, but it’s also pretty obvious when candidates have copied and pasted 90 percent of their cover letter from previous applications. If you want the hiring manager to take you seriously, show that you care enough to write a cover letter and revise your resume with the specific job in mind.

Research companies and interviewers. Researching the company or interviewers before an interview can also demonstrate your thoroughness and enthusiasm. You can look for press releases and news stories to see if there’s anything the company is proud of, or if something worrying happened that makes you think twice about working there. Also, try to read the bios and LinkedIn pages for your interviewers to get a sense of their experience and interests.

Practice. If you have an upcoming interview, practice answering common questions. You could ask for help from friends who are also looking for work, family members, or practice on your own in front of a mirror.

Tackle your money plan

Your budget. Don’t have one? Maybe it’s time to start. It doesn’t have to be complicated, but keeping track of how much money you’re making and spending can help you take control of your finances and save up for your meaningful money goals.

Your credit. Building your credit history and improving your credit scores can be important when you’re looking for a job, renting an apartment, paying for auto insurance, or applying for a credit card or loan. Here are some ideas for getting started.

Your bank accounts. You may have had a student bank account while you were at school. These accounts often have lower or waived fees. However, you might lose the waivers or be forced to switch to a non-student account once you graduate. It may be time to open a new account.

If you’re looking for an option with no account fees, the Varo Bank Account has:

Learn more about getting started with the mobile Varo Bank Account.

Your credit cards. There are lots of credit cards to choose from, and you’ll want to find one that matches your goals and lifestyle now that you’re not a student. You may be worried about opening a card and taking on more debt, and that’s a valid concern. However, a credit card can help you build credit even if you rarely use it.

The key is to make your monthly payments on time, have a low balance, and pay your balance in full each month. (The last step isn’t technically a requirement for building good credit, but it will keep you from having to pay interest.)

You could even use your card to pay one of your small monthly bills (like a streaming service) and set up autopay to pay off the card each month. Then, leave the physical card at home, or even cut it in half, so you’re never tempted to use it for purchases you can’t afford to pay off.

Your student loans. If you took out student loans, your payments might start around six months after you graduate when your grace period is over. But, remember, you don’t wait until then to find out how much your monthly payments will be and how to repay the loans. If you took out federal student loans, you can choose your repayment plan, which can impact your monthly payment amount.

Continue your education

You may have a degree, but your education doesn’t have to stop. In fact, now that you don’t have to follow a professor’s curriculum and prepare for tests, you’re freer than ever to study what and how you want.

Fortunately, there are lots of ways to continue your education and learn new skills without taking out loans. If you want to learn more about managing your money, check out our recommendations for the top personal finance podcasts.

Louis DeNicola is a freelance personal finance writer and credit enthusiast. You can find him on Twitter @is_lou.

On May 12, we celebrate Mother’s Day in the United States. To honor the wisdom of our mothers, we asked Varovians what they have learned from their moms — or taught their children — about money. Here’s what they told us.

Moms share money saving tips

Sarah Wilson

My mom pushed this habit into our brains — to never order a drink with dinner as a good way to save money when eating out! Drinks add up, and water is free!

Sarah Wilson (as a baby) and her mom.

Jennie Martzloff

What I told my daughter who was thinking about marrying her college boyfriend right after college is that she should find a job she loves and that will support her.  The goal is to have the financial flexibility to be able to make important decisions affecting other aspects of her life, like divorce, without having to worry if she could support herself.

Jill Godsey 

My mom taught me to pay cash for everything.  The only acceptable use of debt was a mortgage and education — and that’s what I have tried to teach my sons.

what I learned about money from mom

Jill Godsey and her son.

Rosa Baker (as a baby) and her mom.

Rosa Baker

My mom taught me how to read and write. Now I can do it in 3 different languages and I’ve been able to meet wonderful people, get so much knowledge, and travel because of that.

Catherine New

My mom has always encouraged me to ask for my value in the job marketplace — to always negotiate, ask for what I am worth, and not give away my work for free.

Sharon Valentine

Grow, sew, and make everything that you can yourself. There is no shame in making a mess and learning from your mistakes! Become your own home renovator!

Emily Kaehler (pictured in headline)

Jordan Campitelli (as a baby) and her mom.

My mom was a big saver–growing up she never spent money on travel or restaurants. She retired before she turned 50, and now she travels all over. I would like to teach my kids the difference between needs and wants, and how to set up basic money goals.

Patrick Pickett

My mom taught me to grocery shop. You can eat better food for cheaper!

Jordan Campitelli

My mom taught me the importance of saving. She urged me to invest in my 401(k), put 10% of my salary into a savings account, and pay off my credit card each month.

Genine Lobo (as a baby) and her mom.

Roxanne Cook 

My mom taught me how to shop frugally. She brought me along on trips to thrift stores and garage sales and showed me that I could get good quality items for a fraction of the cost. But she also taught me to spend money wisely. I can get a good bargain on something but if I’m not going to use it, I’m just wasting money. These days, I still love to shop thrift and find gems on Craigslist.

Genine Lobo

My mom loved shopping for stylish outfits, but she never bought clothes at full price. I’ve saved thousands of dollars by always purchasing items on sale or snagging the promo code to get the biggest discount.


It’s all about the Benjamins, right? Well, maybe it shouldn’t be, according to a new survey that has the next generation looking for new faces on their cash.

Specifically, millennials want to see women on their money. A new survey released on Equal Pay Day (April 2, 2019) by Varo Money shows that nearly 65% of millennials want to replace all or some of the current faces on their bills with American female historical figures.

Women on Money RBG

More first ladies and American female heroes was their message. Sorry, Beyoncé, you did not make the list.

It makes sense for millennials to have their say in who goes on their cash because they spend a lot of it — more than $600 billion a year according to Accenture, a figure that’s expected to more than double to $1.4 trillion by 2020.

Then again, almost 10% of people responded that it doesn’t matter to them whose face is on their bills because “I don’t use cash.”

More women, more national pride

But for more millennials, who is on their money is more about representation than it is the cash itself. While female faces on their money draws support from both men and women, neither group said it would make them feel better about their money or themselves.

It would, however, give them more national pride every time they opened their wallets. 

More than half of millennials surveyed said putting women on money would make them feel better about being an American. Support for female faces was higher among women — nearly 65%.

The 2016 Obama-era promise to replace Andrew Jackson with abolitionist Harriet Tubman on the $20 bill still has support with more than half of millennials surveyed. Tubman, who escaped slavery and then helped hundreds of other slaves flee their captors, would be the first black American on U.S. currency.

Women on Money Tubman

She’s also the favorite to replace Benjamin Franklin on the $100 bill if Jackson keeps his spot.

Inaugural First Lady Martha Washington already holds the designation of being the first woman on U.S. paper currency. She graced the $1 silver certificate from 1886 to 1957.

The survey support is a big win for Tubman, seeing as how it’s been more than a year since current Treasury Secretary Steven Mnuchin has spoken publicly about the 2016 initiative to put her face on the $20 and the more than 28% of survey respondents who said they “didn’t know this was a thing.”

Who else made the list of currency favorites? Millennials’ top choices to replace the old guard on U.S. currency include several former first ladies, trailblazers and revered historical figures (and a TV talk show host).

Drum roll, please

The top 6 choices are:

  1. Abolitionist Harriet Tubman: 59%
  2. First Lady Eleanor Roosevelt: 48%  
  3. Explorer Amelia Earhart: 42%
  4. First Lady Michelle Obama: 31%
  5. Supreme Court Justice Ruth Bader Ginsburg: 27%
  6. TV host and publisher Oprah Winfrey 18%

First Lady Laura Bush, Hawaiian Queen Liliuokalani, Astronaut Sally Ride, Secretary of State Condoleezza Rice, First Lady Abigail Adams, and talk show host Ellen DeGeneres all pulled in respectable double-digit support.

To see all the bills and weigh in with your thoughts, check out Varo’s Instagram.


There are also some notable women that millennials do not want on their money. When asked who they never wanted to see on their cash, there was a resounding “No thank you” to Cardi B, Hillary Clinton, Melania Trump, and Beyoncé.

But what about Oprah Winfrey? The media mogul is revered among women and even garnered some support for making a run for president in 2020.

Turns out millennials may not have made up their minds about her yet. More than 18% of women respondents said they’d like to see her on their money. But nearly 15% say they never want to see her on their cash.

Sarah Netter is a freelance writer living in New Orleans.

After earning her Bachelor’s and a Finance MBA, Michelle Schroeder-Gardner found herself buried in student debt—without any plan to pay it down.

Determined to get serious about a repayment plan, she took the difficult — but necessary — first step: adding up exactly how much she owed.

By gaining an understanding of her loans, creating (and sticking to) a budget, and boosting her income with side hustles, Michelle was able to pay back $38,000 in student loans in only seven months.

It wasn’t easy.

Between her primary and side jobs, Michelle says she was working 100+ hour weeks and struggled to find a healthy work-life balance. But the seven months of heads-down budgeting was well worth the financial flexibility that has allowed her to put money towards her retirement and save up to travel the world.

Empowered by her success in becoming debt-free by age 24, Michelle grew passionate about helping others free themselves of debt.

Her (ultra-successful) personal finance and lifestyle blog, Making Sense of Cents, helps educate others looking to take control of their finances.

debt free student loans

Get familiar with your debt

“The very first step I always tell people when they are paying off their debt is to add up their total debt—down to the exact penny. Many people don’t know how much debt they actually have, and their estimate is usually way off. By adding your total amount of debt, the average person will usually be shocked and this can help a person realize that their debt is much more real.”

Speed up repayment by pursuing new income sources

Michelle credits her side hustles for allowing her to pay off her loans in such a short timeframe. She recommends starting a blog or other business, selling old belongings, answering surveys, driving for Lyft or Uber, babysitting or dog-sitting as potential income-boosters.

“Surprisingly, I didn’t know that people side hustled too much before I started my own side hustle. I mean, I knew that people made cash occasionally on the side, but I never really thought about starting my own side business. Starting my own side business helped me to pay off my debt a lot faster.”

Don’t shy away from talking about money

There’s a stigma about pretty much anything money related. People hate talking about money, and it’s for so many different reasons. Some people think it’s rude, but honestly, I think it’s because many people aren’t uncomfortable with their own finances, so they don’t like talking about them. I think openly talking about money helps—having regularly budget meetings, and so on—it all helps.”

You can get out of debt

“So many people normalize debt, and this can cause people to get into more debt. I want everyone to realize that you can get out of debt, and you can stay out of it. Yes, it’ll take hard work, and it won’t always be easy—but it will be well worth it.”

Follow us on Instagram @varomoney! We’d love to hear about your inspirational stories of financial and health success!

This article was written by Cortnay Cymrot, a contributing writer for Varo.

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Blogger Kristin Larsen has mastered the art of the side hustle for extra income.

In just one year, she was able to bring in over $4,500 of extra income by aggressively pursuing side opportunities. (Hint: She used a separate bank account to keep track of her extra earnings.)

Kristin, who says she started side hustling before she even knew that was a term, traces her roots as a side hustler to her younger years.

“I really had the side hustle spirit when I was just a teenager,” she says. “I was known in my neighborhood as the go-to babysitter in my high school years. I always had my summer babysitting schedule booked in advance.”

Once she went away to college, Kristin continued to seek out opportunities to bring in extra cash, initially finding work as a mystery shopper. As her first post-grad side gig, she began offering independent interior design consultations.

side hustle extra income

Pet-sitting and dog-walking netted Kristin Larsen $3,000 in extra income in one year.

Scaling up her side hustle for extra income

Kristin was eager to get serious about her side hustles and earn more money on a more consistent basis. She wanted a leg up on paying off debt, boosting her savings, and establishing an emergency fund.  

The best way I went about this was making a list of things I was good at doing,” says Kristin. “I wrote down all the skills I had that I could offer to someone else.”

As a born planner, Kristin says making time for her side hustles was simple. She would meticulously plan her days, arranging to spend the most time on her highest-paying jobs.

“I was smart about how I planned my side hustles,” says Kristin, “If I knew I had to run to the grocery store, I would look to see if there was a mystery shop or cell phone survey I could complete while at the grocery store. This usually added about an extra 10-15 minutes of my time while at the grocery store, but would make me an extra $20!”

One of Kristin’s favorite (and most lucrative) side hustles was pet sitting and dog walking. Between taking neighborhood dogs for walk, providing doggy daycare during the day, or hosting them overnight, Kristin brought in over $3,000 in a year. She says she was inundated with requests, sometimes being asked to dog-walk multiple times a day—earning around $20 for a 20-minute walk.

Leaving her day job behind

In early 2015, Kristin tapped into her most challenging side hustles yet: she launched a blog and began offering Pinterest virtual assistant services. These projects would also prove to be the most rewarding. By the year’s end, she was able to quit her day job to pursue both opportunities full-time.

“One of the best tools I’ve learned since I started side hustling is how to think like an entrepreneur and businesswoman. I treat side hustling like a business. I can say yes or no to jobs and seek out better-paying gigs, which isn’t something I would have been able to do at my day job. This also allowed me to gain confidence in myself.”

As for the extra income she’s making, Kristin says she carefully tracks it in a spreadsheet and allocates it to its own savings account—separate from her regular income. This way, she can add it up, and see exactly how much extra income she brings in per year. One option is a Varo Savings Account—download the app to apply in less than five minutes. There are no fees or minimum balance requirements plus a great rate on savings.

Kristin acknowledges that pursuing a new side hustle can feel like a lot of work — especially when it’s new and unfamiliar. She encourages people to push fear of failing aside, and learn as you go.

“Sart by making a list of things you like to do, and then figure out how you can get paid. There is always going to be someone out there looking for someone just like you to help them!”

Matthew Karsten once believed traveling was a hobby reserved for the rich.

Having spent the past seven years as a full-time travel blogger and photographer, Matthew now knows that traveling is accessible to anyone—so long as they’re responsible with their money.

Matthew’s travels began as a much-needed change of pace: he was passed up for a promotion at his unfulfilling freelance photographer gig and decided he’d do some soul-searching by heading out to see the world.  

By spending less, saving more, and seeking out extra cash opportunities on the side, Matthew was able to save $7,000 in just 12 months.

Budgeting for world traveling


How do you budget to travel the world? “The key is to keep reminding yourself what the goal is—and the payoff,” says Matthew Karsten, who did just that.

For Matthew, the biggest challenge of saving up to travel was sticking to a plan. It was crucial to get his finances in order, but money management is an acquired skill—one that requires discipline to master.

“There are so many outside forces—and internal ones—trying to stop you,” explains Matthew. He lists them out: “Social pressure to spend money on going out every weekend, marketing pressure to buys stuff you don’t really need. A lack of willpower to make the tough decisions. Downsizing to live a simpler lifestyle is tough, especially if you’re used to a certain quality of life. The key is to keep reminding yourself what the goal is—and the payoff.”

Learning to take financial responsibility was key in Matthew’s savings journey. He came to the realization that nobody but him could control his finances, and began to budget ruthlessly, adopting new, more cost-effective habits.

“I’m a lot more careful with my spending than I used to be and take a lot of time to think about every purchase. Will I use an item on a regular basis? Will my life really improve greatly if I have it? Or will I be better off saving that money for a cool travel experience that will create unforgettable memories?”

He traded in pricey nights at the bar for hikes or at-home movie nights and began to master the art of cooking. He actively separated out his wants from his needs — and even moved into an apartment in a cheaper neighborhood.

“You have to get your head around the fact that social pressures are always going to be there. Remind your friends how important saving money is for you right now. Resisting temptation to spend is tough, and you will have good days and bad days, but don’t let the latter distract you from your end goal,” he said.

“Whenever I feel social pressures to spend, I go back to remembering my ‘why’. I focus on picturing myself lounging in a hammock on a beach somewhere, without a care in the world, all because I was able to stick to my plan.”

Then seeing the world on a budget

Once you’ve taken the plunge and bought your flight, Matthew insists that long-term traveling doesn’t have to be expensive.

Travelers can take advantage of the incredible budget hostels that exist around the world, as well as travel rewards credit cards, which allow you to earn points and miles as you travel. You can also save by eating at street food stands (often favored by locals) and skipping overpriced group tours. With a Varo Bank Account, travelers pay no foreign transaction fees and can manage their money through the app.

While Matthew doesn’t have a single favorite destination, some of his favorite travel experiences include road tripping around Iceland’s Ring Road, seeing lava up close on the Big Island of Hawaii, and backpacking through the mountains of Afghanistan.

“Travel really opens your eyes to what’s possible. You realize your own country isn’t as perfect as you thought it was. You see what other cultures are doing well, and what problems they need to work on. You realize that the world is a safe place for the most part, with friendly people just trying to survive and take care of their families — we all have a lot more in common than we think.”

Follow us on Instagram @varomoney! We’d love to hear about your inspirational stories of financial and life success!

Cortnay Cymrot is a contributing writer for Varo.

As a business owner with two young children, Amber Temerity for years struggled to prioritize her own needs.

So when she heard about HealthyWage—a company that allows you to earn money to lose weight—her interest was immediately piqued. The opportunity to integrate her financial and weight loss goals seemed too good to be true.

It wasn’t: Amber earned $1,500 and lost 60 pounds in only nine months.

HealthyWage allows you to bet on your ability to lose weight, with participants setting their own weight loss goals, time-frames, and wager amounts. If you meet your goals, you receive your wager back, plus an additional cash prize (with greater amounts awarded for bigger wagers and weight loss goals). If you fail to meet your weight loss goal, your money goes toward other participants’ earnings.

With her two kids born just 16 months apart, Amber had been either pregnant or breastfeeding for four years straight; prioritizing her weight loss had been a struggle. She was also working to grow her business as an efficiency strategist, helping other online business owners master their marketing strategies and productivity systems. Amber had made a promise to herself to avoid business-related debt, but was anxious to invest in tools that would allow her to spend less time online—and more time with her kids.

lose weight earn moneyLose weight, earn money

Determined to realize her physical and financial goals, Amber placed a bet with HealthyWage. With her money on the line, failing to lose the weight was simply not an option.

“Joining forces with HealthyWage forced me to make myself a priority again—something I’d lost sight of for many years,” says Amber.

By following a fairly clean-eating diet (no processed foods, but not restrictive to the point of being unsustainable), visiting her local YMCA (free childcare!), and incorporating more movement into her day-to-day routine, Amber saw the pounds begin to melt off.

“The best part was knowing that literally EVERYTHING involved in this adventure was to benefit me and my family – losing weight, living healthier, and winning money that I could use to better myself even further.”

Studies confirm that adding money to the equation is an effective means of enhancing weight loss success. The financial element is powerful in helping people a) commit to a specific starting point, and b) avoid quitting before accomplishing their goals.

In the end, Amber’s major weight loss resulted in a hefty check. After working with her husband to determine the smartest use of the money, Amber put the cash toward the business tools she’d long been eyeing—avoiding the debt spiral she may have otherwise faced.

While Amber knows it would have been possible to lose the weight without the financial incentive, she credits HealthyWage as the boost she needed to get serious about her health.

“While the process of getting fit is rewarding in and of itself, every little bit of encouragement helps. Take the time to invest in yourself, both in time and in money, and your rewards will compound.”

Follow us on Instagram @varomoney! We’d love to hear about your inspirational stories of financial and health success!

This article was written by Cortnay Cymrot, a contributing writer for Varo.

Admit it: you’ve thought about—okay, maybe even fantasized about—switching your bank.

At your current institution, you’ve jumped through more financial hoops than you’d care to count, you’ve navigated confusing fees and the outdated technology and even tried to deal with lacking customer service.

Yet despite open dissatisfaction with traditional banks—and financial services consistently ranking as consumers’ least trusted industry—surprisingly few people actually make a switch. The average customer stays with a bank for 16 years, according to a 2017 Bankrate survey—that’s a long marriage to be in if you’re not happy, we think.

And we totally we get it. Overhauling a familiar structure, however frustrating, can feel daunting. But we’re here to tell you that switching your bank is not only simple and painless—it has major potential payoffs in saved money on fees, potentially higher interest on savings, and more peace of mind.

Don’t just take our word for it. We chatted with real people who’ve pulled the plug on their old banks in favor of something better. Read on to hear what prompted them to make the switch, how they approached the process, and the benefits they’ve enjoyed as a result.  

Iris Chestnutt 

Associate Manager for Z Gallerie, St. Louis, MO (pictured)

Why did you initially decide to switch banks?

I was looking for a bank that had fewer fees. It took me about six months of searching when I came across the Varo app.  

How long did it take for you to become familiar with your new bank account?

It didn’t take me any time to get acclimated to Varo—everything is very easy to set up, and the communication on updates to services is phenomenal.

What do you like best about your new bank account?

I now get my direct deposits early, the customer service is very friendly and responsive, and last but not least I love that I don’t have to pay monthly fees.  

Best budgeting tip?

Make sure you set up your account to forecast for you—it really helps you keep your mind on your money with spending updates, and shows you when you’re on the right path, or if you need to tweak your budget.

What would you say to someone who wants to switch banks, but is nervous to take the plunge?

To anyone who is thinking about switching to Varo: please don’t hesitate, because it will be one of the best decisions you ever make.  

Chris Beres 

Tech / Software Professional

What prompted you to switch banks?

After 20 years with the big banks, I switched to Varo. I can think of two occasions when I realized I was being charged for features I didn’t even know about. I just wanted a simple place for my deposits to live, that I can access seamlessly.

How long did it take you to switch?

I can’t even remember—it was so quick and easy. For anyone who’s mobile-savvy, it’s incredibly convenient.

What do you like about your new bank account?

It was so easy to onboard straight from my phone, and the card—now my primary debit card—came quickly. I like that it simply does what I need it to do. I can deposit and access my money without any issues whatsoever.

What differences do you notice in comparison to your old bank?

With Varo, there’s no endless maze of charges. I no longer feel like I’m just this anonymous money machine.

What’s your best budgeting tip?

If you want better control, just look at your account once a day, and you can understand where you spend your money. With Varo, I can log on in two seconds from my phone, and see a dashboard with the last week’s transactions. That’s incentive to check your balance.

Cortnay Cymrot is a contributing writer for Varo.

Links to external websites are not managed by Varo or The Bancorp Bank.


Bank Account Services provided by The Bancorp Bank; Member FDIC.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank (“Bank”). Bank is not responsible for the accuracy of any content provided by author(s) or contributor(s).

Finding the right way to budget and hold yourself accountable can be difficult. We all have different jobs, lifestyles, and financial commitments that make trying to apply a cookie-cutter method of budgeting nearly impossible. One method that works for one person, like meticulously maintaining an Excel spreadsheet with everything you spend, won’t work for someone who gets stressed out by the idea of just checking their bank account balance.

Trying to force one method of budgeting on another person can (and usually) results in nothing but stress. This makes it important to highlight that there are several ways to budget and maintain a financially fit lifestyle, which brings me to this blog post.

This post is the second in a two-part series where I compare my “hands-on” approach to budgeting versus my fiancé, Jesse’s, “hands-off” style. Since I already shared my “hands-on” take on budgeting, I thought it would only be fair that Jesse finally gets his turn.

Revisiting “hands-on” vs. “hands-off”

For those of you that didn’t read my first ever blog, my fiancé Jesse and I have polar opposite money management styles. I’m what you’d call “hands-on.” I check my bank accounts almost daily, make very detailed budgets that I constantly track, and overall feel calm and in control when I know where my money is going. Jesse is what you’d call “hands-off.” He hates dealing with money and would rather watch paint dry than sit down with me to plan out a meticulous yearly budget. It’s not that he doesn’t care about money, it’s that he doesn’t want to spend any of his time managing it! To get around this, he automates everything to minimize the amount of effort he puts into thinking about his money.

While the principles guiding what we do and our long-term financial goals are similar, how we get there is quite different–and that’s okay!

Jesse’s take: a hands-off budgeting approach:

Finding a budgeting method that works for you

Similarly to what I said in my last post, Jesse’s approach may not work for everyone–not even if you are “hands-off.” What’s important is that you find the right method and tools that work for you, which takes practice and time–so don’t worry!

Regardless of your money management style, I hope that sharing my and Jesse’s approaches to creating and following a budget can help provide you with tips that make managing your money easier!