Bob Moore, Author at The Clever Wallet

Why Willpower Fails and Systems Win Every Time

You've tried to save money before. You made a plan. You were motivated. You promised yourself "this month will be different." Then life happened. Bills arrived. Friends invited you out.…

Bob Moore December 22, 2025

Budgeting Money Saving

You’re Paying for 17 Subscriptions but Only Using 6

Quick test: Without looking at your phone or bank statement, list every subscription you're currently paying for. Got your list? Now check your actual subscriptions. I guarantee you forgot at…

Bob Moore December 19, 2025

Budgeting Building Wealth Money Saving

You’re Bleeding $347 Per Month and Don’t Even Know It

You make decent money. You pay your bills. You consider yourself financially responsible. So why is there never anything left at the end of the month? Here's the uncomfortable truth:…

Bob Moore December 16, 2025

Budgeting Investing Money Saving

Why You’re One Emergency Away From Financial Disaster (And How to Fix It)

You just got hit with an $800 medical bill. Your car needs $1,200 in repairs. The washing machine died and replacement costs $600. Any of these sound familiar? If your…

Bob Moore December 12, 2025

Budgeting Money Saving

I Tracked Every Expense for 30 Days – Here’s What I Discovered About My Spending Habit

What if I told you that you're probably wasting hundreds—maybe even thousands—of dollars every month without realizing it? Before you dismiss that idea, hear me out. I used to think…

Bob Moore December 9, 2025

Investing

Index Funds vs Individual Stocks for Beginners: Which Path Should You Choose?

If you're new to investing, you've probably heard both passionate arguments for picking individual stocks and compelling cases for index funds. The truth? Both have their place, but for most…

Bob Moore December 2, 2025