Guides
Guides to make your money go further
Practical and sourced. Ideas to get organised, not investment advice.
Budgeting
The 50/30/20 rule: how to split your pay simplyWhat the 50/30/20 rule is, how to apply it to your take-home pay with a real example and what to do if your fixed costs don't fit in 50%.Once-a-year bills: how to be ready for themInsurance, taxes, school costs or the car: annual bills wreck the month if you don't plan for them. Learn to list them, divide them and set money aside.The envelope method: how to use it without cashWhat the envelope budgeting method is, why it works so well and how to use it today with category budgets on your phone instead of banknotes.Fixed and variable expenses: how to sort them in your budgetWhat fixed, variable and discretionary expenses are, how to sort your own with examples and why splitting them shows you how much you can spend each day.How to make a monthly budget in 5 stepsA simple way to make your monthly budget: income, fixed and variable costs, savings first and tracking, with a worked example.
Saving
The 52-week challenge: how it works and how much you saveHow the 52-week savings challenge works, how much you save with a €1, €2 or €5 base and how not to give up halfway through the year.How big should your emergency fund be?How much money to keep for the unexpected depending on your situation, how to work it out from your basic costs and how to get there bit by bit.How to save €100 a month: a step-by-step methodA simple method to save €100 a month: how much it adds up to in a year, how to find that money in your spending and how to build the habit without stress.How to save for a trip: how much to set aside each weekHow to price your trip, work out how much to save each week until you go and avoid overspending once you're there, with a real example.The no-spend challenge: no-spend days to change your habitsWhat the no-spend challenge is, which expenses count and which don't, how to start with single days and what to do with the money you save.
Spending
How to make it to the end of the month: 5 stepsFive steps to reach the end of the month with money left: know your income and costs, split fixed from variable and share what remains over the days left.How to save on subscriptions: review what you pay each monthHow to find all your subscriptions, work out what they cost per year and decide which to cancel, rotate or share without giving up what matters.Small everyday expenses: stop losing money without noticingWhat small everyday expenses are, how much they add up to in a year with real examples and a simple way to spot and cut them without stress.Track your spending without connecting your bankWhy many people prefer not to give an app access to their bank, and how to track spending by hand or by importing your bank's CSV.
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