Lulu started blogging as a way to track ways to save money. She later became interested in learning more about managing more of her finances and decided to seek a degree in that area. She is currently working on her Ph.D. in personal financial planning and hopes to educate others to manage their money wisely. Her goal is to serve the middle to lower income groups since they need the most help. She is a big advocate of wise credit card use and envisions a world where everyone can stay on budget while earning cash back rewards! She believes that saving is important, even if you only start with $1 at a time. The important thing is to build that into a good habit which is sustainable.