Seham’s Finance

Introduction Personal finance is more than just budgeting and paying bills. It’s about making informed decisions that support your current lifestyle while securing your financial future. Whether you're trying to get out of debt, save for a big purchase, or build long-term wealth, understanding the fundamentals of personal finance is the first step to financial freedom. Why Personal Finance Matters Financial literacy can significantly impact every part of your life — from reducing stress to helping you retire comfortably. People who manage their finances wisely are more likely to handle emergencies, avoid unnecessary debt, and achieve their goals faster. Poor financial management, on the other hand, often leads to financial struggles, even with a good income. Key Pillars of Personal Finance Budgeting Wisely Creating a monthly budget allows you to track income and expenses. Use the 50/30/20 rule: 50% of your income for needs (rent, utilities, groceries) 30% for wants (e...

  In today’s fast-paced world, staying financially literate is more important than ever. Whether you want to get out of debt, start investing, or build wealth, personal finance podcasts offer accessible and actionable advice for every stage of your financial journey. With thousands of shows available, we’ve narrowed it down to the 10 best personal finance podcasts in 2025 that can help you make smarter money moves. 1. The Dave Ramsey Show Ideal for beginners and those struggling with debt, Dave Ramsey’s podcast provides practical advice on budgeting, saving, and living debt-free. Known for his tough love approach, Ramsey helps listeners take control of their money through a simple, no-nonsense method. Best For : Debt payoff and budgeting beginners Style : Direct, motivational, caller-based Q&A 2. So Money with Farnoosh Torabi Hosted by personal finance expert Farnoosh Torabi, So Money blends real-world money talk with success stories from entrepreneurs, authors, and inf...

 In today’s world, managing your finances wisely and finding extra ways to earn money is more important than ever. Whether you’re dealing with rising prices, planning for the future, or just want some extra cash, mastering personal finance and side hustles can make a huge difference. At Seham Finance , we believe that everyone can take control of their money and create new income streams with the right strategies. Here’s a straightforward guide to help you save more, earn more, and grow your financial freedom in 2025. 1. How to Save Money on a Low Income Saving money doesn’t mean you need a big salary. Small habits add up! Track your expenses: Use apps or a notebook to see where your money goes. Cut unnecessary costs: Maybe skip one coffee a week or cook more at home. Use budgeting tools: Free apps like Mint or EveryDollar can help you plan. Automate savings: Even saving $5 a week builds over time. 2. Best Side Hustles in 2025 Side hustles are a great way t...