iBudget Blog
Expert tips, guides, and strategies to help you and your family master your money
Housing, Energy and Bills: What the Fixed Costs Really Are
A data report on UK and US fixed household costs — rent, mortgages, energy, water and comms — from official series only, plus the geography averages hide.
The Emergency Savings Gap: How Many Households Could Cover a Surprise Bill
A data report on emergency savings: the Fed's $400 question, the FCA's three-month buffer, Eurostat's EU figures, and why these numbers cannot be ranked.
What Households Owe, and What It Costs Them
A sourced report on household debt: UK and US balances, the interest rates actually charged in mid-2026, and what a given balance costs per year at those rates.
Where Household Money Actually Goes: US, UK, Canada and Australia Compared
What official household spending surveys in the US, UK and Canada measure, why their housing shares cannot be ranked, and the one number that does compare.
How Much Households Actually Save, Country by Country
Sweden saves 16.3% of net disposable income, the UK 4.7%, on the OECD's comparable measure. What a national saving rate counts, and why it is not your payslip.
Budget Categories List: 50 Lines With a Target Percentage for Each
A 50-line budget category list you can paste into a spreadsheet, each with a target percentage that actually adds up to 100 — grounded in BLS and ONS data.
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