Budgeting
Budgeting when your income changes every month
Stop forecasting. Build a one-month buffer, then spend last month's income this month — it turns a variable income into a fixed one you already hold.
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Personal finance, without the noise
Money advice that fits a real paycheck.
No hustle culture, no get-rich schemes. Step-by-step guides on budgeting, saving and clearing debt — plus a free dashboard that does the maths for you and keeps every figure on your own device.
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The Money Dashboard
Four tools in one page: a budget planner, an emergency-fund tracker, a debt payoff simulator and savings goals. Everything is worked out in your browser and saved on your device — we never see a single number.
Budget planner
Tag each expense need, want or save and watch your real 50/30/20 split appear as you type.
Emergency fund
Target from essentials, progress bar, and the month you will actually be finished.
Debt payoff
Snowball against avalanche on your own balances, with the interest difference in cash.
Savings goals
Any number of goals, each with the monthly amount needed to hit the date.
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Latest guides
Saving
How much emergency fund do you actually need?
Three months of essential spending, not three months of income — here is how to work out your number, where to keep it, and how to get there on an ordinary salary.
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Budgeting
The 50/30/20 budget, fixed for high rent
Fifty per cent needs, thirty per cent wants, twenty per cent savings. Here is the rule as written, and the adjusted split to use when your rent refuses to cooperate.
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Debt
Snowball vs avalanche: which one people finish
The avalanche costs $227 less. The snowball gets more people to the finish line. Here is the same $18,400 debt run through both, month by month.
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Banking & bills
14 recurring bills you can cut this weekend
A two-hour audit of what leaves your account automatically typically frees $80 to $210 a month — immediately, and without a raise. Here is the list, in order.
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Budgeting
Sinking funds: for the bills you can see coming
Car servicing, insurance renewals and Christmas are not emergencies — they arrive on schedule. A sinking fund is how you pay for them without a credit card.
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