One Cent At A Time

A Personal finance blog to get rich

51 New Year Goal Ideas For 2023

1 Comment

We all have had our bittersweet relationship with new year’s goals. It has often been sought as a way of reflecting upon life choices of the passing year and dwelling on targets to achieve the year ahead. But as a rule of thumb, intentions to make resolutions never actually materialize. 

To help you set yourself up for a year-long journey of self-efficacy, we’ve provided you with 51 options for new year’s goals.

Also as a personal finance blog, we are listing up actions you can take to make sure you are positioning yourself for financial success. 

Continue Reading...

How Can I Keep Track of My Spending?

Leave a Comment

Keeping track of how much you spend can be a great way of stopping yourself from becoming indebted. This can be beneficial both in your personal life and if you run your own business. Finding ways to keep an eye on the amount you spend, no matter the payment method, can help you stick within a daily or weekly budget.

How Can I Keep Track of My Spending?

On top of this, looking at where your money goes can help you to identify any problem factors that may lead to overspending.

Continue Reading...

50 Habits of Personal Finance

50 Comments

This will be a different post in comparison to my other posts, the idea for today’s post is simplicity, so let this write-up be simple too. Your finance can be overwhelmingly complicated if you let it be, otherwise, it will be as simple as eating your daily lunch. Keep these simple fundamentals in mind starting from the day one of your working life. They are valid for every one, for people with debts and for people with billion dollars in bank.

50 Principles of Personal Finance

As with your physical health, a better set of habits can strengthen your financial health. You need to master those skills and habits. you need to acquire that mindset. Only then you can effectively manage your finances on a day to day basis.

Continue Reading...

20 Investment Strategies for Beginners

9 Comments

When I first started earning money it was 2000, I was in India. I straight away jumped for direct stocks purchases, and within a year I lost half of it. Poor stock-picking coupled with the burst of the dot-com bubble were to blame. But, it taught me what not to do with money when you are a beginner. Since then I have committed many more mistakes, at the same time, I also did things that worked very well.

20 Investment Strategies For Beginers

A few of the mutual funds I bought between 2003 and 2005 got almost tripled their value before I sold them off. I had mentored people towards their first investing since then, A little disclaimer, I am not a financial expert and even I don’t take my advice for granted, always consult with someone you trust before taking any of the steps I mentioned below.

Continue Reading...

Tips on How Immigrants Can Establish a Credit History

Leave a Comment

The United States of America is a land of vast opportunities. With each dawning day, many individuals travel to America to make their dreams a reality. However, it’s quite unfortunate that these USA immigrants face a challenging financial situation.

4 Tips on How Immigrants Can Establish a Credit History

It’s often a result of a lack of credit history. It becomes hard to build an identity in a country where they want to meet their goals. It’s why building a credible credit history is essential for setting up a life in the USA.

Continue Reading...

4 Ways to Add Money to Your Emergency Fund Fast

3 Comments

COVID-19 has shown all of us the importance of an emergency fund. Most people operate on the “it probably won’t happen to me” philosophy; until it happens to them. The fact is, a major life-changing (or threatening) event can happen to anyone at any time, and pretending like it can’t is a good way to set yourself up for maximum damage when it does occur.

4 Ways to Add Money to Your Emergency Fund Fast

Many Americans have less than $1,000 in their savings account—hardly enough to subsist on should they be out of work for several months. An emergency fund should consist of about 3-6 months’ worth of expenses, or so the experts say.

Continue Reading...

6 Common Mistakes Beginner Investors Make

1 Comment

Investing is remarkably easy these days, and you don’t need to work on Wall Street to buy stocks and shares or play the forex markets. Thanks to online trading platforms, anyone can become an armchair investor, but there are many pitfalls to be aware of. There are common mistakes beginner investors make.

6 Common Mistakes Beginner Investors Make

Beginner investors are often sucked in by wild claims of huge profits for very little effort. But for every Instagram influencer showing off his Maserati and piles of cash, there are thousands of people who lost their pants when they misunderstood the power of leverage.

Continue Reading...

4 Ways to Secure Your Financial Future

2 Comments

Securing your financial future is something you should consider regardless of age or status. With some planning and a little foresight, you could be well on your way to carving out a future free of debt and worry.

Being financially comfortable when you get older will not only make it easier to live life to the full but could provide you with choices you wouldn’t otherwise have. Here are 4 ways to secure your financial future.

Career advancement

Career advancement usually goes hand in hand with an increase in salary and other benefits, so it’s a good idea to set yourself some realistic career goals and plan how these can be achieved.

Continue Reading...

How to Improve your Relationship with Money

Leave a Comment

Money often makes the world go around – whether we like it or not. Though having a lot of cash in your bank account might not be able to make you happy, it does make it a lot easier to avoid stress, anxiety, and other common problems. Fortunately, you don’t have to be a millionaire in the making to live a comfortable life.

Increase your Income

Sometimes, all you need to do to gain financial independence and stop stressing over your cash is to improve the relationship that you have with the money that you do have.

Continue Reading...

Subscribe via Email

Site Disclaimer

Disclosure of Material Connection: Some of the links in this web site are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
Read full Affiliate disclosure


One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .

Major Media Mention

One Cent at a Time Media Appearances