Budgeting is the cornerstone of financial success, providing a roadmap toward financial freedom. It’s an art as opposed to a science in that there is no one size fits all solution. It’s continually evolving and never truly mastered. Each person needs to find their own way, but with some guidance the way is clear. In … Read more

In my journey towards financial mastery, a pivotal moment came when I embraced the strategic use of credit cards. The value I found in using credit cards over debit cards, wasn’t in the air miles or whatever points earning programs credit card companies often use to entice people into spending on credit cards, nor was … Read more

Have you ever been caught off guard by an expense that only comes around once a year From car repairs to vet bills, these bills, while we know they will inevitably come at some point, can still come as a surprise, and when they do, wreak havoc on our budget if we’re not prepared. That’s … Read more

So I just wanted to take you through the steps you will go through as you setup your spenditures account. I will break up the process into 5 steps: So let’s get started. 1. Create account and set your preferences First you will click in the Creatr account link in the top menu and enter … Read more

I just wanted to take some time to quickly explain why I created spenditures. Let us look at an example to illustrate the problem with budgeting on credit card that spenditures aims to solve.