Budgeting when you're self-employed: the three accounts
Turnover is not income. The three-account rule and the percentage to hold back.
Budgeting, without losing your evenings to it
Methods that already exist, explained without jargon — and honesty about the ones that fall apart in the first week.
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When one of you earns much more: getting out of the awkwardness
An income gap creates situations that fifty-fifty makes worse. Three arrangements.
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Your first payslip: what to do with the first three salaries
Gross, net, contributions, pension. What to understand, and in what order to act.
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Christmas budget: 50 a month instead of 600 in December
December costs half a salary more on average. How to spread it over the year.
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The cost of moving: the complete list
Deposit, overlapping rents, van, making good. What it really costs.
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Stop ending the month overdrawn
An overdraft isn't a problem of amount but of calendar. How to break the cycle.
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Envelope budgeting, 2026 edition
One amount per category, and when the envelope is empty, it's empty. How to do it without cash.
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Budgeting on an irregular income: pay yourself a salary
Self-employed, temping, seasonal: the method of paying yourself a fixed salary.
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Forgotten subscriptions: the invisible category
They take themselves out and nobody adds them up. How to find every one of them.
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Cutting your grocery bill without eating sadly
The only big category you can actually move. Six real levers, and the ones that do nothing.
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Why budgets fail (and the five ways to fix it)
Almost everyone gives up within three weeks. The five real causes, and what to do instead.
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Travel budget: work it out before, hold it during
The flight is never the problem. It's the three weeks on the ground, and what people forget to count.
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The emergency fund: how much, where, and in what order
Three months of spending, they say. How to work out your number, where to keep it, and why it comes first.
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A budgeting app with no bank connection, and why that changes everything
The comfort of automatic syncing has a price: you never look at your spending again.
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Budgeting as a couple: three ways to split, and how to choose
All shared, all separate, or proportional. The three systems and what they actually do.
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Student budget: getting through the month without giving everything up
A small, irregular income and costs that land at the start of term. How to organise yourself when nothing is regular.
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Kakeibo: the Japanese method for keeping a budget
A notebook, four questions, and the habit of looking your money in the eye. Invented in 1904, and still valid.
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The 50/30/20 rule, explained simply
Why it works for some people, and why it fails when rent already takes half the salary.