In the spirit of being honest with you — the way I’d want a friend to be honest with me — here’s exactly how The Cozy Budget makes money and what that means for you as a reader.
Effective date: June 3, 2026
This disclosure is provided in accordance with the U.S. Federal Trade Commission’s (FTC) guidelines on endorsements and advertising. The Cozy Budget (thecozybudget.com) is operated by Fuente Empresarial S.A.S.
We display ads
The Cozy Budget shows display advertising, primarily through Google AdSense. These are the banner and in-content ads you see around the Site. Ad revenue helps keep this site free for everyone to read. We don’t control exactly which ads appear — they’re served automatically based on factors like the page content and, where you’ve consented, your interests. To learn how advertising cookies work and how to opt out of personalized ads, see our Privacy Policy and Cookie Policy.
We may use affiliate links
Some posts on The Cozy Budget contain affiliate links. This means that if you click one of those links and make a purchase, we may earn a small commission — at no extra cost to you. The price you pay is exactly the same whether you use our link or not; the retailer simply shares a little of their margin with us as a thank-you for the referral.
These small commissions help support the time and work that goes into creating free content here. We’re genuinely grateful when you choose to use them, but you are never obligated to, and it never affects what we write.
Our opinions are always our own
Here’s my promise: I only ever mention products, tools, or services that I genuinely think are useful and that fit what we do here. A commission never buys a recommendation. If I don’t believe something would actually help you, you won’t find it on this site — affiliate link or not. Any opinions, reviews, and experiences I share are honest and entirely my own.
When a post contains sponsored content or affiliate links, we aim to make that clear so you always know what you’re reading.
This is not financial advice
Finally, an important reminder that goes hand in hand with this disclosure: everything on The Cozy Budget is general educational information, not financial, investment, tax, or legal advice. Nora is not a licensed financial professional. Any product or strategy mentioned — whether through an affiliate link or not — should be evaluated against your own situation, ideally with the help of a qualified professional. You can read the full details in our Terms of Service & Disclaimer.
Questions?
If anything here is unclear, or you’d like to know whether a specific link is an affiliate link, just email me at hello@thecozybudget.com. Transparency is part of the cozy.