Money tips
Short practical articles: how to start tracking spending, split your salary, save, pay off debts and agree on a budget as a family.
How to start tracking your spending — and keep going after week one
A step-by-step plan for anyone who has tried writing down expenses and quickly gave up: what to record, how often, and how to turn it into a habit.
The 50/30/20 rule: how to split your income and set spending limits
A simple way to divide your salary between needs, wants and savings — and how to turn it into clear limits for each category.
How to save for a goal: emergency fund, holiday, big purchase
Where to start saving, how big an emergency fund should be, and how to break a large goal into manageable monthly contributions.
Debts and loans: how to keep track and pay them off faster
How to record who owes whom, keep an eye on bank loans and choose a repayment strategy: the debt snowball or the avalanche.
Family budget: how to manage money together as a couple
A shared pot, separate money or a mix — how to agree on a budget as a couple and keep records without arguments.