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

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...

How to Stop Emotional Spending: Control of your finance

Emotional spending is a common yet often overlooked issue that can wreak havoc on your financial health. Whether it’s buying a new outfit to...

6 Digital Tools to Build Wealth in 2025: A Guide

Technology is transforming personal finance, making it easier than ever to manage money, save effectively, and grow investments. According to recent reports, utilizing digital...

Smart Money Moves for Women to Make Before 30

Smart money moves for women should focus on building wealth early, closing the pay gap, and preparing for long-term financial stability. Why Women Need Unique...