Dr. Hadd

Dr. S. Hadd is a full professor of mathematics in Morocco with a PhD in Mathematics and a deep expertise in financial mathematics. As the author of over 40 high-quality research papers in the mathematical sciences, Dr. Hadd has made significant contributions to the field, focusing on applying advanced mathematical principles to real-world problems, including finance. With a career spanning leading universities across France, the UK, Germany, and American universities in Qatar, Dr. Hadd has supervised numerous PhD students, fostering the next generation of mathematicians and researchers. Passionate about sharing knowledge, Dr. Hadd founded Smart Budgeting Guide to make financial concepts accessible and actionable for everyone, blending mathematical precision with practical budgeting advice. Dr. Hadd specializes in simplifying complex financial ideas, making budgeting tools and strategies approachable for all readers. Through this blog, Dr. Hadd is dedicated to helping readers achieve their financial goals with practical, research-backed advice. When not writing or teaching, Dr. Hadd enjoys exploring new tools for financial planning and mentoring students to reach their academic and financial potential. This blog represents my personal opinions and not the views of my employer.

Exclusive Content

20 Dinners That Cost About $5 Each

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Snowball vs Avalanche: Which Debt Method Wins?

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Side Hustles to Pay Off Debt: 7 Weekend Gigs That Pay

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Budgeting 101: A Beginner’s Guide to Managing Your Money

Budgeting 101 is the foundation of personal financial success....

Budget Travel Secrets: Explore the World Without Going Broke

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Robo-Advisors: The Easiest Way to Start Investing Now

In recent years, robo-advisors have transformed the investment world. These...

More Articles by Hadd

Best Budgeting and Expense Tracking Apps: Guide

This article was updated on February 09, 2025 Today, budgeting and expense tracking apps are more essential than ever. These apps assist us in managing...

The Ultimate Budgeting Guide for College Students

College is perfect for students to practice independence and a new lifestyle. Away from family support, the student finds himself confronting living charges and...

Irregular Income Budgeting: Strategies for Stability

Managing finances with an irregular income can feel like navigating a financial rollercoaster. Unlike traditional salaried jobs, irregular income budgeting—common among freelancers, gig workers, and...

Top Budgeting Methods: Incremental, Zero-Based, Cash Flow

Budgeting is the cornerstone of financial success, but not all budgeting methods are created equal. Depending on your income, expenses, and financial goals, certain...

The Basics of Budgeting: Your Blueprint to Financial Freedom

What if you could take control of your finances, reduce stress, and build a path to financial freedom? It all starts with mastering the...

Pre-Approved Credit Cards Explained: How to Qualify

What Are Pre-Approved Credit Cards? Pre-approved credit cards are offers provided by issuers to individuals who meet certain eligibility criteria based on their financial profile....