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

Treasury Bills: A Safe and Smart Investment Option

Treasury Bills (T-Bills) are the best solution if you want to invest extra cash and earn a modest return safely. They are a low-risk,...

Money Market Account: How It Works and When to Use One

Introduction to money market account (MMA) Imagine that you have arrived at the goal of saving money through budgeting. Then, you want to invest this...

Managing Debt Stress: Simple Strategies for Relief

I. Introduction Debt stress impacts not only finances but every aspect of life, making it hard to concentrate, work effectively, and maintain a sense of...

Stock Market Investing: A Guide to Building Wealth

The stock market is one of the most powerful wealth-building tools available. While savings accounts offer minimal interest and real estate requires significant capital,...

How to Negotiate a Debt Settlement with Creditors

Debt may often seem like a heavy burden, but understanding how to negotiate a debt settlement with creditors can drastically improve your financial health....

Budget as a Couple: Secrets to Financial Harmony

Money is one of the leading causes of stress in relationships, but it doesn’t have to be. When you budget as a couple, you can...