Blog
Practical guides on budgeting, saving, paying off debt and planning with ADHD.
50/30/20 rule: what it is, when it works and when it doesn't
Where the rule came from, how to sort needs from wants in the awkward cases, worked examples at three incomes, and what if rent alone is half.
Budgeting by paycheck instead of by month
Monthly budgets break when bills and paydays don't line up. How to map bills to pay periods, with a worked biweekly example and the 3-paycheck month.
Debt snowball vs debt avalanche: the honest maths
One real example — $17,000 across four debts at $600 a month — through both methods: the real month counts, the real interest, and who should pick which.
How to budget with ADHD when normal budgeting doesn't work
Why "just track everything" fails, and what works instead: externalising memory, automation, the 15-minute money date and the impulse pause.
How to make a budget spreadsheet that you'll actually keep using
Four decisions, then a step-by-step build in Sheets or Excel with the real SUMIFS formulas, and the five mistakes that kill budgets by week three.
Sinking funds: the budgeting habit that ends "unexpected" expenses
Most surprise expenses are not surprises. How to set up sinking funds, the 12 categories people forget, and how to hold them all in one account.
