Phillip Bryant

Phillip founded Hacking Your Finances after reaching financial independence in 2024 and leaving his corporate career to follow his passion for helping others optimize their finances. Combining his love for personal finance and travel hacking with years of professional expertise, he provides practical strategies to help readers maximize credit card rewards and achieve their financial goals.

Value Based Spending: How to Make Money Choices That Matter

Learn how value based spending aligns your money with what truly matters. Discover practical strategies to evaluate purchases, create personalized spending rules, and make mindful financial decisions that bring lasting satisfaction instead of following the latest trends.

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Value based spending concept - Overhead view of assorted paper money arranged around a calculator and notepad displaying a handwritten list of personal values and financial priorities
Featured Article, Personal Finance

What Are Sinking Funds? Complete Guide for Beginners

Ready to stop stressing about unexpected expenses? Learn how sinking funds can help you prepare for planned costs like home repairs, car maintenance, and holiday gifts. This guide shows you exactly how to set up and manage your sinking funds for financial success.

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Multiple labeled glass jars filled with money representing different categories of sinking funds for organized savings goals
Featured Article, Personal Finance

Dollar-Cost Averaging: A Smart Strategy to Invest Consistently

Dollar-cost averaging (DCA) simplifies investing by reducing risk and building wealth steadily over time. By investing a fixed amount consistently, you lower your average cost and avoid market timing stress. Discover how DCA can help you reach your financial goals!

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Dollar-Cost Averaging
Featured Article, Personal Finance

Common Credit Card Mistakes to Avoid: Protecting Your Money and Credit

Avoid costly credit card mistakes! Learn to prevent late payments, reduce interest, use rewards wisely, and protect your credit score. Whether you’re new to credit or experienced, these tips will boost your financial health and help you get the most from your cards.

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Common Credit Card Mistakes to Avoid
Credit Cards, Featured Article