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.
Insights
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.
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.
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.