Welcome to Hey Pops Financial!

Start by tracking all your income and expenses to understand where your money is going. Prioritize essential expenses like housing, utilities, and food, and allocate a portion of your income to savings, even if it’s a small amount. Use budgeting apps like Mint or YNAB to help you stay organized and adjust your budget as needed. Remember, the key is consistency—stick to your budget and make gradual improvements over time.

Begin by educating yourself on the basics of investing, such as understanding stocks, bonds, and mutual funds. Start small with micro-investing platforms like Acorns or Robinhood, which allow you to invest with minimal capital. Focus on building a diversified portfolio to spread your risk, and consider setting up automatic contributions to stay consistent. It’s also wise to invest in low-cost index funds or ETFs as a beginner, and always invest for the long term.

To balance a side hustle with your full-time job, start by setting clear goals and boundaries. Dedicate specific hours outside of your regular work schedule to your side hustle, and use time management tools to stay organized. It’s important to prioritize tasks and avoid burnout by not overcommitting. Remember, your full-time job is your primary income source, so maintain a healthy balance between both to ensure long-term success in both areas.

For beginners, we recommend using budgeting apps like Mint or YNAB to manage your finances and track spending. For investing, consider platforms like Robinhood or Acorns, which are beginner-friendly and allow you to start with small amounts. If you’re looking to build credit, secured credit cards can be a good starting point. Additionally, online courses and financial blogs can provide valuable insights and help you deepen your financial knowledge.