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

Why $5 Dinners Matter in 2025 Grocery prices keep rising....

Snowball vs Avalanche: Which Debt Method Wins?

Debt snowball vs debt avalanche is the most-asked question...

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

Side hustles to pay off debt, inject fresh cash...

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

For many, travel seems like a luxury reserved for...

Robo-Advisors: The Easiest Way to Start Investing Now

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

More Articles by Hadd

Grow Your Wealth With Mutual Funds —Step-by-Step

Introduction: Why Mutual Funds Are America's Favorite Wealth-Building Tool "Did you know 45% of U.S. households invest in mutual funds? Here’s why they’re the easiest...

Passive Income Investments: Build Wealth with Minimal Effort

“What if your money could work for you while you sleep?” That’s the transformative power of passive income investments. These are strategies designed to...

Build a Diversified Investment Portfolio That Works

Introduction A. Definition of a Diversified Investment Portfolio A Diversified Investment Portfolio is a strategy that spreads investments across different asset classes, industries, and geographic regions to minimize...

Renters Insurance 101: A Step-by-Step Guide

Renters insurance is a financial safety net that many renters overlook, often because of misconceptions like, “My landlord's insurance provides coverage for me.” Spoiler alert:...

Student Credit Cards With the Best Rewards

For most students, managing finances is difficult. However, using student credit cards can also build a credit history and teach responsible money management. Introduction: Smart...

Earn Free Flights With These Travel Credit Cards

Travel credit cards are specialized financial tools designed to enhance the travel experience by offering rewards, benefits, and perks tailored for globetrotters. These cards...