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Bautis Financial

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Budgeting

Reviewing Spending Patterns

Discretionary vs. Non-Discretionary Spending: What’s the Difference?

September 11, 2026 by Kyra Mackesy

Not every expense in your budget has the same level of flexibility. Understanding discretionary vs. non-discretionary spending can help you see where you have flexibility — and where you don't.

Read moreDiscretionary vs. Non-Discretionary Spending: What’s the Difference?

How to Prepare Financially for Summer Travel (Without Derailing Your Goals)

June 5, 2026 by Kyra Mackesy

Want to prepare for summer travel without derailing your retirement or savings goals? Follow these smart financial moves and enjoy your trip stress-free.

Read moreHow to Prepare Financially for Summer Travel (Without Derailing Your Goals)
Road to Financial Freedom

Episode 263 – The Simple Road Toward Financial Freedom With Steve Short and Mark Schlipman

September 19, 2025 by Bautis Financial

From first paychecks to credit cards, money skills matter — and while they aren’t always taught in school, Steve Short and Mark Schlipman show how they can still be taught, with simple, actionable lessons from The Simple Road Toward Financial Freedom.

Read moreEpisode 263 – The Simple Road Toward Financial Freedom With Steve Short and Mark Schlipman
50/30/20 Budget Rule

The 50/30/20 Budget Rule: Does It Work For Everyone?

August 26, 2025 by Kyra Mackesy

Families, high earners, or those with variable income: the 50/30/20 budget rule isn’t a one-size-fits-all. Learn how to tailor it to your needs and goals.

Read moreThe 50/30/20 Budget Rule: Does It Work For Everyone?
Saving Money in Piggy Bank | Saving Strategies

Saving Strategies: Creative Ways to Save Money and Build Wealth

January 3, 2025 by Kyra Mackesy

From automating your savings with targeted goals to leveraging cash back rewards, this guide offers innovative ways you can boost your personal savings potential.

Read moreSaving Strategies: Creative Ways to Save Money and Build Wealth
Female College Student in Library | Confident College Student

Guiding Your Child Through Financial Independence in College

December 6, 2024 by Kayla Waller, CFP®

As your child begins their college journey, give them the gift of financial literacy. From student loans to saving for emergencies, there are key strategies to help them navigate this important chapter with confidence.

Read moreGuiding Your Child Through Financial Independence in College
How to Create a Monthly Budget

How to Create a Monthly Budget

September 13, 2024 by Kyra Mackesy

Budgeting may sound complicated, but it’s actually a basic personal finance skill you can easily master. By sticking to a budget, you can avoid overspending and inch closer to reaching your short- and long-term financial goals.

Read moreHow to Create a Monthly Budget
Adult teaching children financial literacy.

Preparing Your Children for Adulthood Through Financial Literacy

April 1, 2024 by Bautis Financial

With April being Financial Literacy Month, there is no better time to learn about the importance of teaching children about financial matters and helping them form good habits.

Read morePreparing Your Children for Adulthood Through Financial Literacy
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Bautis Financial
8 Hillside Ave
Suite LL1,
Montclair, NJ 07042
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862-205-5800

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  • Podcasts
    • Agent of Wealth
    • Clear a Path
  • About
    • Our Approach
    • Our Team
    • Our Difference
  • Who We Work With
    • Individuals and Families
    • Small Business Owners
    • Retirees and Pre-Retirees
    • 401k Plan Sponsors
  • Insights
    • Blog
    • Business Valuation Advisor
    • College Planning Hub
    • Discover How
    • Learning Center
    • Risk Score
  • Client Access
    • Wealth Center
    • Orion

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