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Money, habits and honest finance

Essays and guides on saving, spending psychology and debt — written for people who’ve quit a budgeting app before.

Claymation still of a large blank clay price tag hanging above a small empty clay crib

Money & lifeToo expensive to have kids — the savings crisis nobody talks aboutA generation is postponing children over money. What raising one actually costs, why the lifetime number paralyses people, and the first milestone that doesn’t.August 14, 2026 · 6 min read

Screen-printed poster illustration of a delivery parcel bursting out of a phone screen on speed lines

Habits & psychologyHow to stop impulse buying when every app is a billboardYou didn’t want it 40 seconds ago. How feeds manufacture desire, why willpower loses to one-tap checkout, and the friction and visibility that actually work.August 11, 2026 · 6 min read 🧮Budgeting50/30/20 doesn’t work on a tight income — try 70/20/10When rent takes 58% of your pay, a 50% needs bucket is fiction. Where the classic rule breaks, the four splits that replace it, and how to pick one honestly.August 7, 2026 · 6 min read

Isometric 3D illustration of a phone turning green SMS bubbles into categorised expense rows, next to a closed orange padlock

Privacy & trackingTrack expenses without linking your bank accountClosing the tab that asks for your banking password is the right instinct. How notification parsing gives you automatic tracking with no credentials at all.August 4, 2026 · 6 min read

3D illustration of a puzzled character in blue goggles with a question mark overhead, next to a cat in orange goggles

Habits & psychologyWhy budgeting apps fail — and why you quit in two weeksManual entry dies, guilt UX repels, dashboards aren't habits. Why budgeting apps lose you in two weeks — and what tracking that runs itself changes.July 31, 2026 · 6 min read

Cartoon of two bus passengers: one dreads a BNPL pay-later bill, the other saved up first and enjoys the ride

Debt & creditBuy now, pain later: how BNPL rewires your spendingFour payments of $25 never feels like $100. How BNPL rewires your spending psychology, where the debt spiral starts, and five rules to stay out of it.July 30, 2026 · 6 min read