Welcome
Financial 8 Ball is a personal finance blog focused on ways to help you reach your financial goals.
From how to improve your credit score, how to save money, how to invest money, how to reduce debt, how to earn more money, etc.
Get To know Me
I’m Tyler Holdener and I have gained a wide range of financial knowledge through education and work and life experiences. Hopefully by sharing some of my knowledge I can increase financial literacy and improve financial security.
From the Blog
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How to Create a Budget That Actually Works (Step-by-Step Guide)
Why Budgeting Really Matters Ever wonder where your money disappears to every month? You’re not the only one. Budgeting isn’t about penny-pinching or saying goodbye to every luxury; it’s about taking control. A smart budget helps you stop living paycheck to paycheck, crush debt, and start moving toward your real financial goals. This isn’t just
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15 Proven Ways to Save Money on Utility Bills
High utility bills can be a major drain on your monthly budget. However, there are many practical steps you can take to reduce these costs. By making small changes and implementing energy-saving strategies, you can save money on your utility bills and contribute to a greener environment. Here are 15 proven ways to lower your
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Top 7 Benefits of the Debt Snowball Method for Paying Off Debt
Managing debt can be one of the most challenging aspects of personal finance. With numerous strategies available, choosing the right one can make a significant difference in your financial journey. One highly effective approach is the debt snowball method. This method focuses on paying off your smallest debts first, gradually working your way to larger
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Top 7 Benefits of the Debt Avalanche Method of Paying Off Debt
When it comes to paying off debt, there are various strategies available. One method gaining popularity is the debt avalanche method. This approach prioritizes paying off debts with the highest interest rates first while making minimum payments on the rest. First, let us take a deeper look into the debt avalanche method to get a
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My Top 10 Personal Loans for Financial Flexibility
Hey there, fellow financial enthusiasts! Today, I want to dive into the world of personal loans and share my top picks for the best ones out there. Whether you’re looking to consolidate debt, fund a big project, or handle an unexpected expense, finding the right personal loan can make a world of difference. So, without
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5 Effective Strategies to Reduce Debt and Achieve Financial Freedom
Debt can often feel like an insurmountable obstacle, hindering you from achieving your financial goals and aspirations. Whether you are dealing with credit card debt, student loans, or other financial obligations, taking control of your debt is an essential step toward attaining financial freedom. In this comprehensive guide, we will delve into five proven strategies
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