A budget is your sword ⚔️ against inflation ...

And an emergency fund is your shield [The Penny Hoarder Daily]( [Up, up, up: The cost of living keeps rising]( [Up, Up, Up]( [Prices keep rising]( It’s getting harder to keep up with the cost of living. Don't let higher prices burst your financial dreams too. A solid budget is a great weapon to fight back. Here are six ways you can [budget your way to building wealth]( in the face of rising costs. [Fight Inflation](   [Take Control of Your Impulse Buying]( The fastest way to break your budget is to give into impulse buying. So rather than breaking your budget, use your mid-year financial review to break bad spending habits instead. It can be hard to stick to your plan, but we have some tips to help you [become a more disciplined spender](.   [Save a 12-Month Emergency Fund From Scratch]( [Save a 12-Month Emergency Fund From Scratch]( Maybe it's a hurricane threatening your home. Maybe it's layoffs at work. Maybe it's a broken arm. You can't predict what emergencies might befall you and your family, but you can prepare for them with a 12-month reserve of cash. As you go through your mid-year financial review this month, we have [tips to help you budget for a solid emergency fund](.   [Don't Get Distracted by Trendy Stocks]( If you're serious about your personal finance, don't be swayed by trendy stocks. [Focus on these seven fundamentals]( to build your budget instead. [Stop spending money on these dumb things]( [Money Secrets the Rich Use to Build Wealth]( Rich secret no. 1: Avoid paying credit card interest. Rich secret no. 2: Get paid for your opinions. Want to strengthen your budget like rich folk do? Check out our article where we spill even [more secrets of the wealthy worth emulating](.   [10 Popular Budgeting Methods That Might Work for You]( If you're going to stick to a budget, you need to find a budgeting style that works for you. The important thing is that you're budgeting at all. Here are [ten popular budgeting methods to explore](.   [We'll Text You More Money Tips]( Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. [Learn more]( about how we make money and select our advertising partners. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin. © 2024 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S. [View in browser]( [Mailing preferences]( | [Unsubscribe]( | [Privacy Policy](