Money guides, with verified numbers.
Budgeting, debt payoff, credit, and who profits from your financial data. Written by the team behind Budget-Time, the budgeting tool that keeps your records in your own spreadsheet. Worked examples state their assumptions and are independently recomputed before publishing.
Your data, your control
Do Budgeting Apps Sell Your Data?
What finance apps may collect, how sharing practices vary, and the steps to disconnect accounts and request deletion. Read the guide →
How to Keep Control of Your Financial Data
A portable money system: your spreadsheet as the system of record, automated imports, access reviews, and backups. Read the guide →
Budgeting & money habits
How to Make a Budget You Can Actually Maintain
50/30/20, zero-based, and pay-yourself-first compared, with a worked monthly example and the automation that keeps it alive. Read the guide →
Emergency Fund: How Much and Where
Size the target by income stability, compare insured places to keep it, and build it while paying down debt. Read the guide →
How to Pay Bills on Time
A one-hour setup: autopay tiers, a buffer account, one bill calendar, and the monthly verification that catches failures. Read the guide →
Debt, credit & the big decisions
Debt Snowball vs. Avalanche: Real Payoff Math
Same $38,000 of debt, same payment, two orders. The simulated difference: $385.14 and thirteen months of earlier wins. Read the guide →
Pay Off Your Mortgage or Invest?
A 6.5% example compared at equal dates and equal cash flows, with net position, taxes, liquidity, and sequence risk. Read the guide →
How to Rebuild Credit, Step by Step
The score factors, a 12-month plan, and dispute letter templates for genuinely inaccurate marks, with official sources. Read the guide →