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
cash
What Inflation Does To $20,000 Sitting Still
A balance that never moves still gets smaller every year, and the statement will never show you that. Here is the same money measured in dollars and then in what it buys.
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.
Where To Keep Cash You Need Within Two Years
Savings accounts, certificates of deposit and Treasury bills all pay roughly similar rates and behave nothing alike when you need the money early. Access is the variable that decides it.
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.
What The FDIC $250,000 Limit Actually Covers
The limit is per depositor, per insured bank, per ownership category, and the third one is where people get it wrong. A married couple at a single bank can cover a million dollars.
Why Your Savings Rate Dropped Without An Email
Your savings rate is variable, which means the bank can change it whenever it likes and usually does not tell you. The chain from the policy rate to your account has three links.
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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