Smarter finances

Less noise — more meaning.
A practical real-life blog about money.

Avoid a negative credit card balance: causes and plan

Avoid a negative credit card balance: causes and plan

Negative balance, no panic

How Much Can You Spend Each Month Without Worrying About the Future

How Much Can You Spend Each Month Without Worrying About the Future

A calm spending formula without illusions

Subscription or one-time purchase: when it's worth it

Subscription or one-time purchase: when it's worth it

Choose between subscription and one-time.

Why Money Keeps Disappearing with a Normal Income Each Month

Why Money Keeps Disappearing with a Normal Income Each Month

Leak points, rules, first steps

How to plan a family budget without fighting about money

How to plan a family budget without fighting about money

A family budget without conflict.

Reduce Loan Term or Payment: What Is Better When You Prepay

Reduce Loan Term or Payment: What Is Better When You Prepay

Term vs payment: the smart choice.

How to Avoid Impulse Purchases

How to Avoid Impulse Purchases

Impulse spending under control.

Expense categories: how to set them up and avoid recategorizing

Expense categories: how to set them up and avoid recategorizing

Categories without chaos.

50/30/20 Rule: How to Allocate Income by Categories

50/30/20 Rule: How to Allocate Income by Categories

50/30/20 rule without chaos.

Emergency fund: how much you need and how to build it

Emergency fund: how much you need and how to build it

Emergency fund without the fluff.

Financial Habits That Make You Richer

Financial Habits That Make You Richer

Habits for a steady surplus.

A woman dreams of a vacation without expense tracking, while a man plans a budget and savings

Do you need to track your personal finances?

7-day test and rules.