I Stopped Budgeting And Set Up 4 Transfers Instead
Fourteen months of categories and a weekly spreadsheet saved me nothing I can point to. Four automatic transfers did the job in twenty minutes of setup.
Topic
budgeting
The First Week After You Lose Your Job: 3 Clocks
Most of what needs doing can wait a month. Three things cannot, and they are all on clocks that start running the day the coverage ends.
Paying Tax On Side Income Nobody Withheld
Side income arrives whole and the tax bill arrives later, with an extra piece attached that most first-time freelancers have never heard of. Here is the arithmetic and the account that fixes it.
Avalanche Or Snowball: Which Debt Method Actually Wins
Avalanche and snowball run on the same five balances, to the dollar and to the month. The gap between them turns out to be smaller than the argument about them.
Your Tax Refund Is A Receipt, Not A Bonus
A tax refund is your own money coming back after an interest free loan you did not agree to make. The fix is one form and takes about twenty minutes.
How Much Emergency Fund Do You Actually Need?
Six months of expenses is the advice everyone gives and the number that stops most people from starting. One month is the version you can actually finish.
Compound, weekly
One money decision a week, with the arithmetic left in.
What the thing is, what it costs, and the sums worked out in full so you can check them. Free, no affiliate links, and you can leave in a click.
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