Money
I Cut My Budget From Thirty-One Categories to Four and Lost Nothing I Was Using
Fine-grained categories feel rigorous and produce a report nobody reads. Here is what happened when I checked which of my thirty-one had ever changed a decision.
Money
Budget Systems
Envelopes, zero-based, one spreadsheet — which ones survived contact with a real month.
Money
Zero-Based Budgeting Lasted Five Weeks and Taught Me One Permanent Thing
Assigning every pound a job before the month starts is a good idea that I could not sustain. What I kept was a single category that fixed the reason it collapsed.
Money
Every Budget System Assumes a Salary. Here Is What I Do Instead.
Twelve years of freelance income means some months are triple others. The method that finally worked treats the good months as a reservoir rather than as income.