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Practical, no-fluff guides on budgeting, saving and getting your spending under control.

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Budgeting

How to make a monthly budget

A step-by-step guide to making a monthly budget: take-home pay, fixed and variable costs, annual bills, limits, savings and tracking, with an example.

October 8, 20265 min readRead more

Budgeting

The 50/30/20 budget rule, explained

What the 50/30/20 budget rule is, how to tell needs from wants, worked examples by income, and what to do when rent makes 50% impossible.

October 8, 20264 min readRead more

AI & money

How to budget with ChatGPT

How to use ChatGPT, Gemini or Claude to build a budget, sort expenses and plan savings, with 12 copy-paste prompts and the limits to watch for.

October 8, 20264 min readRead more

Budgeting

The best expense tracker apps in 2026

How the main expense tracker apps compare in 2026: bank-sync budget apps, envelope apps, spreadsheets and WhatsApp assistants, with prices and trade-offs.

October 8, 20264 min readRead more