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

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...

Dollar-Cost Averaging: The Easiest Way to Invest Smarter

Investing can feel difficult, especially when markets swing wildly....

Annual Percentage Yield (APY): How to Maximize Your Earnings

When it comes to growing your savings, Annual Percentage Yield...

How to Start Investing with $100 or Less: A Beginner’s Guide

This post will detail the answer to the question...

More Articles by Hadd

Loan Calculator Guide: Amortized, Deferred, and Bond Loans

Understanding the true cost of a loan is crucial for effective financial planning. Whether you're taking out a mortgage, funding your education, or managing...

How to Reduce Holiday Spending Without Feeling Deprived

The holiday season is a time of joy, celebration, and togetherness, but it’s also a great opportunity to learn how to reduce holiday spending...

How to Build a Financial Roadmap and Achieve SMART Goals

Achieving financial success doesn’t happen by accident—it requires careful planning, discipline, and a clear vision of where you want to go. A financial roadmap...

Frugal Living Tips: Proven Ways to Save Big

In today’s fast-paced world, achieving financial stability can feel like a challenge. That’s where frugal living tips come in. Frugal living isn’t about deprivation—it’s...

How to Set SMART Financial Goals for Success

Setting financial goals is essential to achieving financial stability and success. However, vague or unrealistic goals can lead to frustration and make it harder...

The Ultimate Guide to Financial Planning for Beginners

Financial planning is simply a way to review one's current situation, identify one's future plans, and choose strategies to achieve those plans. Differentiating between financial...