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Money guides
Plain-English guides for the money problems people actually have: running out before payday, impulse buys, yearly bills, irregular income and more.
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Payday Routine: What to Do Every Time You Get Paid (Checklist)
A simple 15-minute payday routine and checklist: what to do when you get paid so bills, savings and spending money are sorted before the month starts.
CalculatorHow Much Should I Spend Per Day? Daily Budget Calculator
Work out how much you can spend per day until payday after bills, debts and savings. Free daily budget calculator, the formula, and worked examples.
BudgetingHow Much Spending Money Per Week? A Simple Weekly Allowance for Adults
How much spending money per week is reasonable? How to set a weekly allowance from your own income, what it should cover, and how to stop running short.
HabitsHow to Stop Impulse Spending: 11 Tactics That Actually Work
Impulse buys draining your budget? 11 practical ways to stop impulse spending and impulse buying online, from the 24-hour rule to removing saved cards.
SavingSinking Funds: How to Budget for Irregular and Yearly Expenses
Sinking funds turn yearly and irregular expenses into small monthly amounts. What they are, examples and categories, the formula, and how to set them up.
SavingHow to Build an Emergency Fund on a Low Income (Starting From Zero)
How to build an emergency fund on a low income, even starting with no savings: a small starter goal, how much to save per month, and where to keep it.
BudgetingHow to Budget With Irregular Income: A Step-by-Step System
How to budget with irregular income as a freelancer, gig worker or commission earner: find your baseline, pay yourself a steady salary and build a buffer.
Family & friendsHow to Ask for Money Back From a Friend or Family (Without Making It Awkward)
How to ask a friend or family member for money back politely, with word-for-word messages, what to do if they can’t pay, and how to say no next time.
BudgetingSalary Is Late? What to Do and How to Survive Until Payday
Salary delayed this month? What to do in the first 48 hours, how to survive until payday without expensive debt, and what to do if it happens every month.