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Money

You are never quite sure what is actually safe to spend.

“I have money in the account but I do not know how much of it is really mine to spend, because I cannot remember everything that is still coming out.”

8 guides · 16 minutes of reading

  1. 01How much of your money is actually safe to spendYour balance is not the answer. A method for working out the number that is genuinely yours, and why banking apps will not tell you.2 min read
  2. 02How to find every subscription you are still paying forA systematic sweep for the recurring payments you have forgotten, including the annual ones that are hardest to spot.2 min read
  3. 03Available balance vs current balance: why they differ and which to trustWhat banks mean by available, what they leave out, and why the number in the app is almost never the number you can spend.2 min read
  4. 04Why budgeting apps stop working after about two monthsEighty one percent of people abandon their financial goals. The reason is usually the tool's design, not the person using it.2 min read
  5. 05You missed a payment. What to do in the next 48 hoursWhat actually happens when a payment is missed, what to do first, and how to talk to a provider without it becoming a whole thing.2 min read
  6. 06How to sort out your finances after a job change, move or divorceLife events break the assumptions your finances were built on. A practical order for putting the picture back together.2 min read
  7. 07What to check before each direct debit dateA two minute habit that prevents the most common cause of a failed payment, which is almost never a lack of money.2 min read
  8. 08Working out whether you can afford it, before you buy itA quick way to answer the question at the moment it matters, without a spreadsheet and without guessing.2 min read