iBudget Blog
Expert tips, guides, and strategies to help you and your family master your money
Budgeting as a Couple: Structures, Splits and a Worked Example
The three ways couples structure money, the proportional split formula, a worked example in dollars and pounds, and a 20-minute monthly review that works.
Debt Snowball vs Avalanche: Which Payoff Method Is Right for You?
Avalanche always costs less than snowball for the same monthly payment. A full worked amortisation shows how much less, and when snowball is still worth it.
How to Budget on Irregular Income: The Freelancer's System
Pay yourself a fixed salary from a holding account sized on your worst months, hold back tax on profit rather than revenue, and let a buffer absorb the swings.
How Much Emergency Fund Do I Need? Work Out Your Number
Six months of essential outgoings is the default. Here is how to work out your own number, by household type and by country, and how to build it from zero.
Revenge Saving: What the Data Shows, and How to Run a 40% Savings Rate
Revenge saving is a label, not a measured trend — national saving rates are low and falling. Here is how to calculate your own rate and push it higher.
How to Stop Living Paycheck to Paycheck: A 30-Day Plan
A 30-day plan to stop living paycheck to paycheck: what to do each day, where the money actually hides, and the one-month-ahead maths that ends the cycle.
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