Money, explained plainly.
Short guides for the first decade of earning. Each one ends with something to do, and a tool to do it in.
How to budget your first real paycheck
A simple order of operations for the money that lands in your account, before it quietly disappears.
- Budgeting, 5 min read
The 50/30/20 rule, and when to break it
Half for needs, 30% for wants, 20% for your future. A good starting point, as long as you know where it bends.
- Saving, 6 min read
Build an emergency fund without feeling broke
How big it should be, where to keep it, and how to fill it a little at a time.
- Debt, 7 min read
Avalanche vs snowball: pick a debt plan you'll stick to
Two proven ways to pay off several debts. One saves the most interest, the other wins the motivation game.
- Investing basics, 5 min read
Compound interest, explained with your coffee order
Why starting at 25 instead of 35 matters more than the amount you start with.
- Saving, 4 min read
Sinking funds: stop being surprised by irregular bills
Car insurance, holidays, birthdays and annual subscriptions aren't emergencies. They're just bills that don't come monthly.
- Tracking, 4 min read
Track your spending for 30 days (without hating it)
One month of honest tracking will teach you more than a year of guessing. Here's how to make it painless.