Frugal living expert Nicholas Garofola loves adding to his savings accounts. He has learned from experience, and on his YouTube channel he shares what it looks like to quit bad spending habits and start saving money quickly. Up Next: 7 Luxury SUVs That Will Become Affordable in 2025 Learn More: Dave Ramsey Says This is the Best Way to Pay Off Debt As a minimalist, here are several of Garofola’s top tips for easy ways to save money and pay your bills. Save for Things That Lower Expenses The notion is sim ...

The holidays hit different when you’re just starting your career. Between student loans, entry-level salaries and the pressure to keep up on social media, Gen Z faces unique money challenges that make holiday spending especially tricky. You’re already dealing with inflation, sky-high rent and trying to build financial independence from scratch. The last thing you need is holiday debt that follows you into the new year. Find Out: Here’s How to Build an Emergency Fund Without Blowing Your Budget Read Next: H ...