Money guides
Short, practical explanations of the things people ask before they get their money in order. No jargon, no sales pitch.
How to track your expenses (and keep doing it)
A simple way to track every expense: pick one place, record as you go, use few categories and review weekly. Includes the mistakes that make people quit.
5 min read →How to make a monthly budget that you can keep
Build a monthly budget in five steps: know your income, list fixed costs, set limits for flexible spending, add savings first, and review. Practical and realistic.
6 min read →Emergency fund: how much is enough?
How to size an emergency fund (3 to 6 months of essential expenses is a common rule of thumb), how to build it step by step and where to keep it.
5 min read →What is net worth, and how do you calculate it?
Net worth is what you own minus what you owe. Learn the formula, what to include, how often to measure it and how to see it grow.
5 min read →How to share a budget with your partner
A calm way for couples and families to manage money together: agree what is shared, keep some autonomy, review regularly and use one source of truth.
5 min read →50/30/20, zero-based or envelope: which budget method should you use?
A plain comparison of the 50/30/20 rule, zero-based budgeting and envelope budgeting: how each works, who each suits and how to choose.
5 min read →These guides are general information, not financial, tax or legal advice.