You don’t need to be an expert to manage your money well.

Since you're here, you're already halfway there—and you can get all the way there without stress or guilt (seriously).

Half Banked is a personal finance blog for millennials who want to manage their money and still have a life.

Ever make it to the end of the month without a clue where your money went? Or been so overwhelmed by financial jargon that you were like, “Nope, better not even look into this stuff?” Friend, you are so in the right place.

Our story started with Desirae Odjick, a close-to-broke new grad who literally cried over money on a semi-frequent basis. Today she’s a homeowner, confident investor, savvy spender and emergency-fund-haver (and she only gave up lattes for like two months before realizing she didn’t need to do that in the first place).

Now we’ve got a whole team of millennial basket cases — well, former basket cases, we like to think — at various points on the path to money mastery. Here at Half Banked, we’re on a mission: to help other people learn the things we’re learning along the way.

 

And while there’s definitely detailed strategies involved, you only need to do four key things to reach that “Everything is going to be OK, and maybe even awesome” moment.

Spend well.

 

“Um, isn’t this a personal finance website? Isn’t spending bad?” Not on your life. Spending money is a key part of managing your money well, and we don’t mean in the don’t-spend-it-till-you’re-retired way. Figuring out how you’re currently spending your cash, and whether it’s making you happy, is the best first step you can take to getting great with your money.

Save money.

 

Saving is the key to all the big, fun, exciting things you want to do, whether it’s buying a house, getting a dog, taking a big vacation… We could list these all day. And sure, it’s not the easiest thing to do, but there are strategies you can use to get started no matter where you’re at — and future you will be so happy you did.

Make a budget.

 

Once you’ve got a handle on your spending and saving, this is the easy part — and budgeting doesn’t mean depriving yourself of anything. It’s just a way to figure out how you’re going to use the money you have to live the life you want, usually on a monthly basis. See? Not so bad!

Invest your money.

 

This is nonnegotiable, pals, even if you’re convinced investing is too hard or that you don’t have enough money. Investing is the best way to build wealth and retire a rich human, and there are totally approachable options available that you can start with as little as $50 these days.

Ready to make some money moves?

The quickest budget you’ll ever do

Grab your copy of the One-Minute Budget and build a full budget in under 60 seconds (for real).