For a while, we tracked every expense and still had months where more money went out than came in. The records were all there. What we didn’t have was a plan for where the money was supposed to go. Tracking without planning is like going on a journey without knowing the destination. You can see … Read more
You read about the 50/30/20 rule, opened your banking app and did the sum. Rent alone is close to half your take-home pay. Add groceries, insurance, your phone and the minimum on your card, and “needs” is well past 50%. So does the rule just not work for you? It still works as a starting … Read more
You get paid. You cover rent and the bills. You don’t buy anything wild. The month still ends with less than you expected. If you have ever typed “why do I overspend” into a search bar, you are probably looking for a reason and a fix. We can’t tell you your reason from here. What … Read more
