Budgeting guides
Plain-language guides to budgeting with envelopes: how the method works, how to plan for bills that don’t come every month, and how to pay off debt. Each has a worked example you can follow with or without an app.
Envelope budgeting
How the envelope method works, which envelopes to start with, what to do when one runs out, and how to do it without cash on your phone.
Zero-based budgeting
What zero-based budgeting means for a personal budget, a worked example, how it differs from envelopes and 50/30/20, and the mistakes to avoid.
Sinking funds
What sinking funds are, the ones most budgets need, how to work out how much to save each month, and how they differ from an emergency fund.
Debt snowball vs. avalanche
The debt snowball and avalanche methods compared with a worked example: which saves more interest, which clears debts sooner, and how to choose.
Budgeting by paycheck
How to budget each paycheck for the bills due before the next one, handle biweekly pay and three-paycheck months, and get a month ahead.
Tracking buy now, pay later
How to budget for buy now, pay later plans from Klarna, Affirm and Afterpay: set the money aside or plan each payment, and keep overlapping plans in view.