Business
Tips And Tricks: 8 Budgeting Hacks For Beginners
Starting a budget can feel overwhelming, especially if you’re new to managing your finances. The good news is, with a few simple hacks, anyone can take control of their money and build healthy financial habits. Budgeting doesn’t have to be restrictive—it’s about making smarter choices, reducing stress, and planning for the future.
Track Every Expense: Start by recording every penny you spend for at least a month. This helps you understand where your money goes and highlights areas for improvement. Use apps or spreadsheets to keep it simple and accurate. Awareness is the first step toward control. (Image: AI-generated)

Set Clear Financial Goals: Define what you’re budgeting for—emergency fund, debt repayment, or vacation. Clear goals give purpose to your budgeting and make it easier to stay motivated. Break large goals into smaller milestones to celebrate progress along the way. (Image: AI-generated)

Follow 50-30-20 Rule: Divide income into 50% needs, 30% wants, and 20% savings or debt repayment. This simple guideline helps beginners balance spending and saving. Adjust percentages slightly based on personal circumstances to maintain a realistic and flexible budget. (Image: AI-generated)

Automate Savings: Set up automatic transfers to a savings account each month. Automation ensures you save consistently without thinking about it. Even small amounts add up over time, making it easier to build an emergency fund or reach financial goals. (Image: AI-generated)

Cut Unnecessary Subscription: Review recurring subscriptions like streaming, apps, or memberships. Cancel services you rarely use. These small monthly savings can accumulate quickly, freeing up money for essentials or savings without feeling a significant lifestyle change. (Image: AI-generated)

Track Bills: Set reminders for bills and subscriptions to avoid late fees. Timely payments keep your budget accurate and reduce unnecessary penalties. Using calendar alerts or automatic payments ensures you stay on top of financial obligations consistently. (Image: AI-generated)

Shop With A List: Whether grocery shopping or buying essentials, create a list and stick to it. Impulse purchases often disrupt budgets. Prioritizing needs over wants helps you save money while still getting what’s necessary each month. (Image: AI-generated)

Review Monthly: Budgeting isn’t static; review your spending every month. Track what worked and what didn’t, adjusting categories as needed. Regular evaluation ensures your budget remains realistic, helping you stay on track toward financial stability and growth. (Image: AI-generated)
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Trump nominates Erica Schwartz as CDC director amid turmoil around leadership, vaccine policy
Rear Admiral Erica G. Schwartz.
U.S. Department of Health and Human Services
President Donald Trump on Thursday nominated Erica Schwartz to serve as director of the Centers for Disease Control and Prevention, concluding a monthslong effort to choose a permanent leader of the embattled health agency.
Schwartz, who will have to be confirmed by the Senate, would take over the role as Health and Human Services Secretary Robert F. Kennedy Jr. oversees a string of controversial health policy changes at the agency, including an overhaul of childhood vaccine recommendations.
Schwartz served as deputy surgeon general during the first Trump administration, where she played a major role in the U.S. response to the Covid-19 pandemic. She spent more than 20 year in uniform, including as rear admiral and chief medical officer of the Coast Guard.
Dr. Jay Bhattacharya had been acting director of the CDC — a title that expired last month under federal law. That law, called the Vacancies Act, limits the amount of time an acting officer can serve in place of a Senate-confirmed official to 210 days.
Late last month marked 210 days since the most recent CDC director, Dr. Susan Monarez, was fired.
A sign sits outside of the Centers for Disease Control and Prevention (CDC) Roybal campus in Atlanta, Georgia, U.S. March 18, 2026.
Megan Varner | Reuters
She has so far been the only person to serve as a confirmed CDC director during Trump’s second term, holding the role for under a month last summer. In congressional testimony in September, Monarez said she was fired after refusing Kennedy’s demands to approve vaccine recommendations she believed lacked scientific support.
It is unclear how Schwartz’s views on vaccines or other key public health policies compare with Kennedy’s.
Also on Thursday, Trump said he chose Sean Slovenski as deputy CDC director and chief operating officer, and Jennifer Shuford as deputy CDC director and chief medical officer. Shuford, as head of the Texas Department of State Health Services, led the state’s response to a massive measles outbreak last year, and credited vaccination and testing in declaring it over.
Schwartz’s nomination comes after a tumultuous several months for the agency, which is reeling from the leadership upheaval, plummeting morale, significant staff turnover and controversial changes to U.S. vaccine policy. Ahead of leadership departures last year, staff members were shaken by a gunman’s attack on the CDC’s Atlanta headquarters on Aug. 8.
Last month, a judge blocked a critical vaccine panel’s efforts to overhaul U.S. immunization policy. That includes an effort to reduce the number of recommended childhood shots from 17 to 11.
Trust in federal health agencies has plummeted during Kennedy’s tenure as Health and Human Services secretary, according to a February poll from health policy research group KFF, with declines across the political spectrum.
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