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

Dollar-Cost Averaging: The Easiest Way to Invest Smarter

Investing can feel difficult, especially when markets swing wildly. Should you invest now or wait for a dip? What if prices crash after you...

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

When it comes to growing your savings, Annual Percentage Yield (APY) is one of the most important financial concepts to understand. Unlike simple interest rates, APY...

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

This post will detail the answer to the question of how to start investing with $100 or less. Many beginners in investing think that...

Budgeting by Focus: Maximizing Value, Time, and Savings

Contrary to traditional budgeting discussions, this article explores budgeting from a different perspective— budgeting by focus. Between paying bills, saving for the future, and finding...

10 Budgeting Hacks : Save Money Without Sacrificing Fun

Budgeting doesn’t have to mean cutting out all the things you love. With the right budgeting hacks, you can save money while enjoying life. This...

5 Ways to Grow Your Wealth Without a Traditional Job

In today’s fast-paced world, the idea of growing your wealth without being tied to a traditional 9-to-5 job is more achievable than ever. Whether...