gooblum.com – Gooblum Finance: Smart money moves.

LifestyleView all

Behavioral Hacks to Stop Impulse Spending: 24-Hour Rule, Anchored Lists, and Choice Architecture At November 13, 2025

The image is a close-up of a person, likely a man, holding an empty black bifold wallet in one hand and a few small coins in the other.

Making Less Isn’t the Problem. Mindless Spending Is. At October 1, 2025

The image features a young woman smiling warmly while engaging with a laptop in a cozy, brick-walled setting, likely a cafe or a co-working space.

You Don’t Need a New Budget — You Need a New Mindset At September 25, 2025

A close-up view of a page in a passport covered with various colorful and detailed international travel stamps and visas. The stamps represent entry and exit from different countries, symbolizing global travel, adventure, and bureaucracy.

International Travel Planning: How to Organize Everything and Save on Airfare At September 7, 2025

The image shows a young woman comfortably seated on a sofa, happily engaged in online shopping using a laptop and a credit card.

Shopping Online vs. In-Store: Which One Is Really Worth It? At September 1, 2025

A young woman with long brown hair, wearing a white t-shirt and blue jeans, is walking outdoors past a modern storefront or apartment building. She is talking on a mobile phone, holding several large brown paper shopping bags in one arm, and gesturing with her free hand. She appears excited or engaged in the conversation.

How to Save on Grocery Shopping – Practical Tips At August 12, 2025

A close-up, cozy shot of a person’s hands holding a high-quality ceramic coffee cup in a sunlit room, with a leather-bound financial planner open on a wooden table, symbolizing the balance between enjoyment and planning.

How to Enjoy Little Luxuries Without Sabotaging Your Long-Term Goals At July 20, 2025

A young woman with curly brown hair, wearing a mustard yellow knitted sweater, is happily writing in a small notebook with a pen. She is seated at a wooden desk with a laptop partially visible and a green potted plant in the background, suggesting she is working or studying from home. She has a warm, focused smile.

Financial Minimalism – Less Stuff, More Freedom At July 1, 2025

FinanceView all

Year-End Bonus with Purpose: 7 Blueprints to Maximize Its Impact (Debt, Emergency, Investing, Planned Fun) At November 25, 2025

Save Money on a Low Income: Renegotiations, Benefits, Essential Shopping, and Monthly Micro-Wins At November 21, 2025

How to Divide Your Salary: Practical Allocation Frameworks by Income Bracket At November 17, 2025

Build an Emergency Fund from Scratch: Targets by Profile, Where to Keep It, and How to Hit Your First $1,000 At November 15, 2025

The image is a studio shot of a young woman sitting cross-legged on the floor, using a laptop and a credit card, likely for an online transaction.

Smart Budgeting: How Americans Can Take Control of Their Finances Today At October 19, 2025

The image shows a woman with dark hair and glasses working intently at a desk, seemingly managing finances or reviewing documents.

Mastering Your Financial Life in the U.S.: Smart Strategies for U.S. Citizens At October 13, 2025

An overhead view of a busy, light-colored wooden desk where two people are collaborating on a project, possibly related to events or a small business. A silver laptop is central, displaying the word

How to Organize Your Personal Finances in 5 Simple Steps At August 18, 2025

A focused man with glasses and a backpack sits at a wooden desk, diligently writing on a financial planning sheet with colorful sections, surrounded by a laptop

Debt – How to Get Out of the Red and Take Back Control of Your Financial Life At August 6, 2025

Money BasicView all

Use Your Credit Card Wisely: Limits, Billing Cycles, Interest, and Points Without Traps At November 23, 2025

Zero-Based vs. 50/30/20: Which Budgeting Method Works Best for Your Income Level? At November 11, 2025

Beginner’s Guide to Financial Jargon: Terms You’ll See Everywhere and What They Mean At October 11, 2025

Understanding Bank Fees and How to Avoid the Most Common Ones At September 20, 2025

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Supermarket Credit Cards: Do They Really Help You Save Money? At September 13, 2025

The image shows a young woman with dark hair, wearing glasses and a light-colored (possibly olive green) t-shirt, working at a kitchen counter or table.

Loan Tips: How to Choose the Best Option and Avoid Financial Traps At September 5, 2025

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How Compound Interest Works in Your Favor (and Against You) At August 30, 2025

A visual representation of

Good Debt vs. Bad Debt: How to Tell Them Apart At August 9, 2025

InvestingView all

A funnel diagram illustrating the flow of money from income into safety, short-term goals, and finally long-term investment growth.

When to Keep Cash and When to Invest: A Practical Framework At September 24, 2025

A person wearing a yellow sleeve gently holds a pink ceramic piggy bank with their hand, resting it on a clean white desk or surface. In the background, a calculator and some documents are visible, suggesting the context of budgeting or saving money.

Got Money Sitting in the Bank? It Could Be Working for You At September 19, 2025

A digital tablet displaying a financial dashboard with a colorful asset allocation pie chart and an upward trending line graph, set against a blurred living room background.

How to Read Basic Investment Statements Without Feeling Overwhelmed At September 3, 2025

A focused couple in their 30s reviewing architectural blueprints and a digital spreadsheet on a laptop at their kitchen table, analyzing costs for a future home purchase.

Investing for Major Life Goals: Home, Kids, and Retirement At August 14, 2025

Overhead view of four woven baskets on a wooden table, each containing a few eggs, visually representing the diversification principle of not putting all eggs in one basket.

Diversification for Non-Experts: Simple Ways to Avoid Putting All Eggs in One Basket At July 24, 2025

A sturdy lighthouse standing firm against crashing waves during a storm, symbolizing financial stability during market volatility.

What to Do When the Market Drops: A Calm Guide for Everyday Investors At July 3, 2025

A focused woman with curly brown hair is seated in front of two computer monitors displaying complex financial charts and trading data. Her face is illuminated by the screen, which shows a red and green candlestick chart in the center. She appears to be actively analyzing the stock market or investment performance in an office or home setting.

How to Start Investing with Little Money At June 25, 2025

A 3D illustration comparing a steady, rising stack of gold coins representing Dollar-Cost Averaging against a volatile, jagged line graph representing market fluctuations

Dollar-Cost Averaging: How to Invest Without Trying to Time the Market At June 12, 2025

CareerView all

A close-up view of a person's hands diligently working on financial tasks at a desk. One hand holds a pen over a paper receipt or document, while the other hand rests near a calculator. A laptop, a notebook, and a coffee cup are also visible on the desk, suggesting the person is reviewing bills, calculating budgets, or handling finances.

Financial Planning for Freelancers – How to Handle Variable Income At October 25, 2025

A visual representation of an inverted pyramid illustrating the process of breaking down a large annual goal. The top, widest section is 'Annual Income Goal.' Below it, the section narrows to 'Quarterly Milestones.' The third section is 'Monthly Revenue Targets,' and the bottom, narrowest section is labeled 'Daily Concrete Career Actions,' showing a clear path from aspiration to execution.

How to Set Annual Income Goals and Turn Them into Concrete Career Actions At September 29, 2025

A conceptual diagram showing a funnel titled 'Side Gig to Main Income Transition Funnel.' The top of the funnel is wide, labeled 'Side Gig Phase,' with inputs like 'Time,' 'Passion,' and 'Extra Income.' The middle, narrower section is 'Readiness Assessment,' listing criteria like '2x Salary Metric,' '6-Month Reserve,' and 'Client Diversification.' The bottom, output section is labeled 'Main Income/Full-Time Business,' representing the successful transition.

From side gig to main income: when does it make sense to transition? At September 8, 2025

A close-up shot of a freelancer's desk with a calculator, notebook filled with financial figures, and a laptop displaying a spreadsheet. The scene emphasizes the detailed process of calculating expenses and desired income for freelance work, with a focused and organized individual in the background.

How to price your freelance work without underestimating yourself At August 18, 2025

A middle-aged man sitting at a dimly lit kitchen table at night, looking stressed while working on a laptop and writing in a notebook filled with financial calculations.

Switching careers later in life: financial and practical considerations At July 28, 2025

A man with curly brown hair, glasses, and headphones is actively engaged in content creation and remote work from his home office. He is smiling while speaking into a professional microphone, suggesting a podcast or online teaching session. In front of him are two computer monitors displaying code and project management tools, indicating programming or tech freelancing. A laptop and a tablet are also on his wooden desk, which is neatly organized.

Extra Income – 8 Ideas to Earn Money from Home At July 25, 2025

A professional analyzing a digital network graph on a laptop screen in a coffee shop, representing strategic planning for income growth.

How to use networking strategically to grow your income At July 7, 2025

A split-screen view showing a neat corporate desk on the left and a creative, slightly chaotic workspace on the right, connected by a clock in the center.

Balancing Your Day Job and Side Projects Without Burning Out At June 16, 2025