Money habits
Tracking a mortgage properly: capital, interest, and what a house really costs
Booking the whole payment as an expense overstates what your home costs, by a share that changes every year. Here is the split, and what else it costs.
Insights
Money habits
How to keep a household ledger that tells you something useful. Categories, reconciliation, several currencies, property. None of it needs the app. It works just as well in a spreadsheet.
Money habits
What your savings rate actually is
Almost everyone computes it wrong, and two mistakes account for nearly all of it. Here is the definition that survives contact with a real ledger.
Money habits
The monthly reconcile: twenty minutes that make every number true
A ledger nobody checks against the bank is a story about your money, not a record of it. What reconciling is, when to do it, and what a gap means.
Money habits
Income statement vs balance sheet, for a household
Two statements, two questions, and one link between them that catches your mistakes automatically. The vocabulary, without the accounting degree.
Money habits
Why most budgets fail in month three
Not for lack of discipline. A budget is a forecast of your own behaviour, and month three is when reality has enough evidence against it.
Money habits
Tracking net worth across several currencies
Hold more than one currency and your net worth moves for reasons that have nothing to do with you. How to separate what you did from what the rate did.
Money habits
How to categorise expenses so the data is actually useful
Most category lists describe the past. A useful one answers a question you will actually ask. Seven rules from five years of a household ledger.