Notes on money,
kept simple
Short, practical guides to seeing your finances clearly, across every account and currency.
Guide · 2 min read
How to calculate your net worth (and why it's the number to watch)
Net worth is what you own minus what you owe. Here's how to add it up in ten minutes, what to include, what to leave out, and how often to check it.
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Guide · 2 min read
Tracking your money across several currencies
Earn in one currency, save in another, spend in a third? Here's how to keep one honest total, and why your net worth can change while you do nothing.
Money habits · 1 min read
Lending money to friends without losing track (or the friendship)
Small loans between friends are easy to forget and awkward to bring up. A simple record of who owes what, and every part-payment, keeps it clear on both sides.
Guide · 1 min read
Savings goals you'll actually reach: the monthly maths
A target amount isn't a plan. Add a monthly amount or a date and the maths tells you when you'll get there, or what it would take.
Product · 1 min read
Manual tracking vs. bank sync: an honest comparison
Automatic bank sync saves time. Manual tracking keeps you in control. Here's what each is good at, and who each one suits.