Category: Personal Finance

Black Tax: What It Is, And How To Handle It

We all know how it goes – you make some money or get paid your salary, and it feels like all is right with the world. Suddenly, you get a call from home that requires you to spend. Maybe it’s cash to support your parent’s business, or maybe your younger sibling needs “urgent 2k.” We… Continue reading Black Tax: What It Is, And How To Handle It

The SMART Approach to Saving for Your Goals

Saving for your goals is more than just putting money aside—it’s about having a clear, actionable plan that ensures you achieve your objectives without unnecessary stress. At Moniger, we believe in empowering you to reach your financial milestones efficiently and effectively. That’s why we advocate for the SMART approach to saving, integrated with the innovative… Continue reading The SMART Approach to Saving for Your Goals

The Beginner’s Guide to Budgeting

Look, we know – when someone starts talking about budgeting, it can be a bit boring. Still, considering that 75% of people create and stick to budgets, they’re pretty important.  Budgeting is the cornerstone of financial health. It helps you understand where your money goes, ensures you’re saving for the future, and keeps you from… Continue reading The Beginner’s Guide to Budgeting

How Much Of Your Income Should Go To Rent? An Explainer

Rent is one of the most significant expenses for many individuals and families, but how much of your income should you reasonably allocate to it? The general rule of thumb is the “30% rule,” which suggests that no more than 30% of your gross monthly income should go toward housing costs, including rent and utilities.… Continue reading How Much Of Your Income Should Go To Rent? An Explainer

Investment & Savings Scams: How to Avoid Them in 2025

In 2025, the digital landscape has become more interconnected than ever, offering new opportunities for growth and wealth-building. However, with these advancements come sophisticated scams targeting investments and savings. Fraudsters are evolving, and so should your defense mechanisms. Here’s how to protect yourself from falling victim to financial scams this year. 1. Spot the Red… Continue reading Investment & Savings Scams: How to Avoid Them in 2025