Blog

Money, habits and honest finance

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

3D illustration of a puzzled character in blue goggles with a question mark overhead, next to a cat in orange gogglesHabits & 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 readCartoon of two bus passengers: one dreads a BNPL pay-later bill, the other saved up first and enjoys the rideDebt & 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