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

Boost Your Financial Health: A Simple Guide to Success

Financial health is the cornerstone of a stable and stress-free life. It’s not just about how much money you make but how well you...

Maximize Insurance: A Guide to Better Coverage & Savings

Insurance is a cornerstone of financial security, but many people struggle to find the right balance between adequate coverage and affordable premiums. If you’re...

Financial Advisor: Benefits, Types and How to Choose

Managing your finances can be overwhelming, especially when you’re juggling multiple goals like saving for retirement, buying a home, or paying off debt. A financial...

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...