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

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...

Small Business Loan: How to Secure Funding Easily

A small business loan can be essential for fostering growth and ensuring stability in your business. Whether you need to buy equipment, handle cash...

Ultimate Guide to Earning Money Online: Proven Methods

1. Introduction Earning money online has become more accessible than ever in today’s digital age. Whether you’re looking to supplement your income, replace your full-time...

7 modern budgeting tools to Transform Your Finances

Managing your finances doesn’t have to be daunting in today's fast-paced world. Thanks to modern technology, budgeting has become more accessible, efficient, and even...