Money habits
How to categorise expenses so the data is actually useful
Most category lists describe the past. A useful one answers a question you will actually ask. Seven rules from five years of a household ledger.
Insights
How to know what a household is actually worth.
Long and specific, out of one ledger that has been reconciled every month since 2021 rather than out of a list of tips. Two tracks: keeping the books well, and getting the most out of the app.
Money habits
Why most budgets fail in month three
Not for lack of discipline. A budget is a forecast of your own behaviour, and month three is when reality has enough evidence against it.
Money habits
Tracking net worth across several currencies
Hold more than one currency and your net worth moves for reasons that have nothing to do with you. How to separate what you did from what the rate did.
App guides
Your first week: what to set up, and in what order
Most people set up a finance app in the wrong order and quietly stop. Here is the sequence that works, and why each step comes before the next.
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Money habits
How to keep a household ledger that tells you something useful. Categories, reconciliation, several currencies, property. None of it needs the app. It works just as well in a spreadsheet.
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Getting real value out of the app. Workflows, imports, shared household ledgers, and the features that are easy to miss.
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