FangWallet — Personal Finance Blog on Passive Income Ideas.

As much as I hate to admit it, saving money can be a very hard topic to crack depending on the individual. Measuring success for budgeting and saving money can look very different because living a frugal lifestyle relies heavily upon the individual to adopt an unrealistic good set of habits from cold turkey sometimes.

Personal

4 Life Quotes or Mottos I Try to Live By

By Albert Fang August 9, 2018

A question that I get sometimes is how am I calm, composed, and collected about 80% of the time at 24 years old? The other 20%, let’s not talk about it. Just kidding, but what helps me keep my mojo is I try to follow certain principles or motto quotes that closely resonate with me

Credit Cards

Demystifying How to Get a Good Credit Score

By Albert Fang November 30, 2017

Believe it or not, having more than one credit card is beneficial to the financial health of your credit history. One of the common myths of owning a credit card is having one too many. But, nowadays, I’ve noticed that the problem most people have is sticking to only one credit card. The one credit

Beginner's Guides

5 Steps to Budgeting and Saving for Retirement Effectively

By Albert Fang November 27, 2017

Budgeting and planning for retirement can be a boring, gruesome task that takes a toll on one’s self worth. Before you know it, after doing some calculations, you may find that you are in an even bigger financial hole than you thought you were. One of the biggest mistake a person can make is neglect

Legal

You Do Not Need to Be Wealthy to Need a Will

By FangWallet Editors October 26, 2026

A lot of people hear the words “estate planning” and immediately think of wealth. Large homes, investment portfolios, family businesses, and complicated trusts tend to dominate the conversation, which can make ordinary families assume estate planning is something they will deal with later, after they have accumulated more. But a Will is not only for

Opinion

Your Categories Are Why Budgeting Keeps Failing. Nilvo Starts With Four.

By FangWallet Editors October 13, 2026

People quit budgeting and then apologize for it. They say they were not disciplined enough, or they got busy, or they fell off and never climbed back on. Usually the categories did it. Why Twelve Categories Is Worse Than Four A long list looks like rigor. Groceries separate from dining out, dining out separate from

Small Business

What Should Small-Business Owners Know About Commercial Property Insurance?

By FangWallet Editors October 8, 2026

Commercial property insurance is one of the many types of business insurance. This coverage is essential, though it only applies to specific scenarios. Learn everything you must know about commercial property insurance for small businesses and the top-rated options on the market. It Protects More Than the Building A standard policy protects assets against loss

Retirement

Behind on Retirement at 45? Saving Birds Starts With the Gap, Then Puts Dates on It

By FangWallet Editors October 6, 2026

There is a particular kind of financial anxiety that belongs to people in the middle of their careers. The salary is decent. The bills get paid. There is usually something going into a retirement account every month. And yet the number on the statement looks small next to whatever figure the internet says a person

Insurance

What a Reimbursement Request Actually Needs, and How to Stop Hunting for It

By FangWallet Editors October 6, 2026

Anyone who has submitted an HSA or FSA claim knows the moment. The administrator asks for documentation, and suddenly you are searching the car, the kitchen drawer, and three email accounts for a receipt from a visit you only half remember. The money is yours. Getting it back just depends on paperwork you did not

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How to Successfully Budget and Win the Mental Battle of Saving