Guides
Budgeting guides
Short, practical guides with real numbers, each paired with a free calculator.
How to make a monthly budgetHow to make a monthly budget in six steps: start from take-home pay, list fixed costs, plan everyday spending, give the rest a job and review weekly. A worked example with real numbers.Open →How to track expensesHow to track expenses in a way that lasts: log as you spend, use a few clear categories, track every account and currency, and review weekly. Methods compared, from notebook to app.Open →Zero-based budgeting, explainedWhat zero-based budgeting is, how to set one up in five steps, a worked example with real numbers, and the mistakes that make people quit in month two.Open →How to budget in two currenciesHow to budget in two currencies when you are paid in dollars or dirhams but spend in rupees: one base currency, accounts in their own currency, and remittances as a budget line.Open →Debt avalanche vs snowballDebt avalanche vs snowball, compared with the same three debts: months to debt-free, total interest and when each payoff method is the better choice.Open →