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Money & Finance

Welcome to your go-to guide for all things money! This blog is here to help teens build smart financial habits early—whether you're earning your first paycheck, saving up for something big, or just trying to figure out how money works. From budgeting and banking to spending wisely and planning for your future, we break it all down in a way that actually makes sense. Because being confident with money isn't just about math—it's about mindset. Let’s get started.

“The way you handle money today shapes your future tomorrow. It’s not about how much you have, but how smartly you use it. When you start making intentional choices—saving, budgeting, and investing—you’re not just managing money; you’re building the freedom to live the life you want.”
— Anon
6 Smart Budgeting Tips You’ll Actually Stick To
Budgeting Simon Richardson Budgeting Simon Richardson

6 Smart Budgeting Tips You’ll Actually Stick To

Let’s face it—budgeting sounds like something adults stress over. But if you’ve ever run out of money halfway through the month, skipped out on plans because you were broke, or felt low-key anxious about spending, then budgeting is for you.

The problem? Most budgeting advice feels complicated, boring, or super hard to follow.

That’s why this post is different. We’re keeping it real with 6 smart budgeting tips that are simple, doable, and actually helpful. No fancy spreadsheets or finance talk—just clear steps to help you keep more of your money and feel more in control.

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Feeling Overwhelmed? Your Budget Might Be the Fix
Budgeting Simon Richardson Budgeting Simon Richardson

Feeling Overwhelmed? Your Budget Might Be the Fix

Here’s the thing: money stress is totally real, even as a teen. But the good news? Budgeting—yeah, that thing adults always talk about—can actually help you feel more in control, less anxious, and way more confident.

Let’s break down why your mental health and your money are more connected than you think—and how building a budget can help you feel better fast.

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Budget Like a Boss: Feel More in Control of Your Life
Budgeting Simon Richardson Budgeting Simon Richardson

Budget Like a Boss: Feel More in Control of Your Life

Let’s be real—budgeting doesn’t exactly sound exciting. It might make you think of spreadsheets, restrictions, and saying goodbye to fun. But here’s the truth: budgeting is actually one of the smartest ways to feel more confident and in control of your life—especially as a teenager.

Whether you’re dealing with allowance, a part-time job, or random gift money, learning to manage your cash gives you power. Not just over your wallet, but over your future too.

Ready to feel like the boss of your own life? Let’s break it down.

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Spend Smarter: Making Your Money Last the Whole Month
Budgeting, Spending Simon Richardson Budgeting, Spending Simon Richardson

Spend Smarter: Making Your Money Last the Whole Month

Ever felt like your money disappears the second it hits your account? You’re not alone. Whether it’s a part-time job, allowance, or birthday cash, making it last a whole month can feel impossible—especially when snacks, subscriptions, and spontaneous shopping tempt you daily. But the truth is, with a few smart moves, you can keep your money from vanishing before the month is over.

Let’s break down how to make your cash stretch without feeling like you’re constantly missing out.

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Impulse Spending: What It Is and How to Avoid It
Budgeting, Spending Simon Richardson Budgeting, Spending Simon Richardson

Impulse Spending: What It Is and How to Avoid It

You walk into a shop to buy gum and leave with snacks, a phone case, and a hoodie you didn’t even know you wanted. Sound familiar?

That’s impulse spending—and it happens to the best of us.

Impulse spending means buying something in the moment, without planning for it or really thinking it through. It might feel exciting at the time, but those little “treat yourself” moments can seriously drain your wallet (and leave you wondering where all your money went).

In this post, we’ll break down what impulse spending really is, why it happens and provide smart hacks to avoid it—without feeling restricted.

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How to Save Money Without Missing Out
Budgeting, Spending Simon Richardson Budgeting, Spending Simon Richardson

How to Save Money Without Missing Out

Let’s be real—saving money sounds boring when all you want to do is hang out with friends, go to the movies, grab snacks, or shop online. Budgeting can feel like saying no to everything fun.

But what if we told you that you don’t have to choose between saving money and living your life?

Good news: You can do both.

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How to Build Money Habits You Won’t Regret Later
Saving, Money, Budgeting, Money Management Simon Richardson Saving, Money, Budgeting, Money Management Simon Richardson

How to Build Money Habits You Won’t Regret Later

Let’s be real: most schools don’t teach you how to handle money. But here’s the thing—your future self is going to care a lot about the choices you make with it now. You don’t need a job, a credit card, or a finance degree to start building good money habits. You just need to be a little smarter than the average spender.

In this post, we’ll break down simple, real-world ways to manage your money, avoid dumb mistakes, and set yourself up for less stress and more freedom later on.

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Money In, Money Out: Mastering the Teen Budget
Budgeting, Saving, Money Management Simon Richardson Budgeting, Saving, Money Management Simon Richardson

Money In, Money Out: Mastering the Teen Budget

Budgeting might sound like something only adults worry about—but truth is, the earlier you learn how to manage your money, the more confident and in control you’ll feel. Whether you’re earning pocket money, have a part-time job, or getting an allowance, knowing how to handle your cash is a skill that sets you up for success now and in the future.

This blog is all about helping you build a simple, realistic budget that works for your life as a teen. It’s not about being strict or cutting all the fun out—it’s about making smart choices that help you do more with what you have.

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Take Control: A Teen’s Guide to Managing Money Like a Pro
Budgeting, Saving, Spending, Money Management Simon Richardson Budgeting, Saving, Spending, Money Management Simon Richardson

Take Control: A Teen’s Guide to Managing Money Like a Pro

Managing money can seem like a big, confusing task, but it’s actually something you can start mastering right now—no matter how old you are. Whether you’ve got a part-time job, receive an allowance, or are saving up for something special, understanding how to manage your money is one of the most important skills you can develop as a teen.

In this guide, we’ll break down the basics of budgeting, saving, and spending smartly. You’ll learn how to take control of your finances, set goals, and avoid the mistakes many people make when they’re just starting out.

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