by admin | Oct 20, 2025 | Budgeting & Debt, Financial Goals
The limits of spreadsheets You’ve probably downloaded more than one “budget spreadsheet” template.They all promise control — colored tabs, monthly summaries, charts that look professional. But here’s the problem: spreadsheets only track what happened.They don’t show...
by admin | Sep 30, 2025 | How to Use
Emily’s Real Case: Student Loan + Credit Card (Starting Jan 2025, with a September Bonus Event) Scenario: Kicking Off a Repayment Plan in Jan 2025 Income: $3,900/month Essential Expenses: $2,800/month Rent: $1,200 Utilities & Transport: $800 Living: $800 Monthly...
by admin | Sep 26, 2025 | Budgeting & Debt, Finance Basics
Here’s the truth up front:The problem isn’t your discipline. The problem is that you’re missing two things: A big-picture indicator to check if your repayment plan actually works. A way to account for past shortfalls that silently grow into craters. Two overlooked...
by admin | Sep 5, 2025 | Budgeting & Debt
Why Everyone Is Looking for a Free Budget App Search “free budget app,” “budget spreadsheet template,” or “free Excel budget” and you’ll see thousands of results. Why? Because budgeting always starts with one need: people want to save money. But here’s the problem:...
by admin | Nov 7, 2023 | Finance Basics
Issues with the Expense Tracking Method The Expense Tracking Method, commonly known as budgeting, involves the detailed recording of daily income and expenditures, maintaining account balances, categorizing and summarizing expenses, creating budgets, controlling daily...
