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Money guides

Money problems, solved step by step.

Practical guides to common money problems. Every one works with a pen and paper; Balance just makes it far less work.

Where does my money go?

Your salary lands, a few weeks pass, and it is gone. Here is a 10-minute way to see exactly where it went, and a simple way to keep seeing it.

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Get out of your overdraft

An overdraft is one of the most expensive ways to borrow, and one of the easiest to get used to. Here is a calm plan to leave it and stay out.

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Forgotten subscriptions

Free trials that quietly became paid, apps you stopped opening, prices that crept up. Here is how to find every recurring charge and keep only the ones you want.

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Budgeting with irregular income

Freelance work, shifts, tips, commission, seasonal jobs or reserve duty: when income changes every month, standard budgets break. This method is built for the swings.

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Save for a goal

If saving depends on what is left at the end of the month, it rarely happens. A goal with a date, a set monthly amount and round-ups that show how spare change adds up make it a system.

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