Debt Snowball vs Avalanche: A Spreadsheet Comparison With Real Numbers
How the debt snowball and debt avalanche methods compare month by month, with two worked examples, the exact spreadsheet formulas, and when the difference actually matters.
Budgeting guides
Practical, worked-through guides. No fluff, and real numbers you can check.
How to Budget on an Irregular Income (Template + Step-by-Step Method)
A practical system for budgeting when your income changes every month: baseline month, tax set-aside, a buffer fund and a steady paycheck you pay yourself. Includes a worked 6-month example.
How to Split a Couples Budget by Income: 3 Fair Methods, With the Math
50/50, proportional to income, or equal money left over? See all three methods side by side with real numbers, the spreadsheet formulas, and how to settle up each month.
The 50/30/20 Budget in a Spreadsheet: How to Set It Up (Free Template)
How to set up a 50/30/20 budget in Google Sheets or Excel, what to do when your needs are over 50%, and a free one-page template that checks your split automatically.