Hi, I’m Fernando Castillo
I make health and finance simple by turning complex ideas into clear, actionable steps anyone can follow.
Welcome to my blog. Feel free to have a look around.
Latest Content
Emergency Fund Savings: The Simple Plan That Finally Works
I used to think emergency funds were only for people who were already financially comfortable. You know, the people who never seemed stressed about money, budgeting, and always had “extra”…
Why You’re Failing At Setting Financial Goals (And How to Fix It)
Every year, I would set financial goals that I’ve never followed through on. Every January, I’d write things like “save more money,” “pay off debt,” or “stop overspending”… and by…
Budgeting With Irregular Income (Freelancers & Gig Workers)
If you’re a freelancer, creator, gig worker, or strictly work off commission, you already know the hustle: some months you’re rolling in payments, and other months… you’re wondering if your…
The Envelope Budgeting System: The Old-School Trick That Still Works
Before budgeting apps, spreadsheets, and digital wallets, people had a far simpler system for managing money and their finances – envelopes. They’d take their paycheck, cash it in, divide it…
Zero-Based Budgeting Explained: The Powerful Money Method You’ve Been Missing
Ever wonder why your money seems to disappear before the month even ends? You’re not alone. I used to look at my bank account halfway through the month and think,…
50/30/20 Budgeting Rule: How To Use It To Manage Your Money Better
When I first tried budgeting, it felt like I needed a finance degree just to make sense of it. Between apps, spreadsheets, and complicated rules about where every dollar should…
7 Bad Money Habits That Are Killing Your Budget (And How to Break Them)
I’ll be honest, for a long time, I couldn’t figure out why my budget never seemed to work. I had spreadsheets, apps, even color-coded charts (yes, I went that far)……
Budgeting for Couples: How to Manage Money Without Fighting
Budgeting for couples… Let’s be honest, nothing kills the mood faster than a conversation about money. I’ve been there. You’re sitting with your partner, trying to talk about bills, savings,…
How To Create A Budget That Actually Works!
Learn how to create a budget that works with simple steps, tips, and tools to save money, cut costs, and reach financial goals.
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Are you New to the keto diet? Follow these 12 Keto Tips for a strong start.
Find proven solutions to help ease your way into ketosis and avoid the keto flu.
Health & Fitness
Enjoy the journey
I’m Fernando Castillo, a health and finance enthusiast on a mission to help people improve their health, master their money, and build lasting habits. From keto and fitness to investing and budgeting, I share practical tips that make life healthier and wealthier, one post at a time.
