Money guides

A side-by-side example with five real-looking debts shows how much the avalanche method saves, why the snowball still works, and how to pick.

Split your take-home pay into needs, wants and savings, turn it into category budgets, and track it each month in a spreadsheet.

A simple bookkeeping routine for freelancers, Etsy sellers and side hustles: categories, a ledger, a monthly profit & loss, and a tax set-aside.

Use one simple formula to know exactly how much to save each month for an emergency fund, a vacation or a house deposit, and how to track several goals at once.

See how much a bigger monthly payment saves on a $5,000 card balance at 22% APR, and the six steps that get credit card debt gone faster.

What sinking funds are, a list of common ones, how to calculate the monthly amount, and how to track several funds at once.

Build a simple monthly budget in Google Sheets with SUMIFS: categories, a transaction log and a budget-vs-actual summary, or start from a ready-made template.

A simple year-planning routine: review 2026, pick three money goals, turn them into monthly numbers, and check in every week and month.