iBudget Blog
Expert tips, guides, and strategies to help you and your family master your money
How to Cancel Subscriptions and Save Money: The Full Audit Method
Find every recurring charge, decide what to cut, then cancel it for good — plus what your cancellation rights really are in the US, UK, Canada and Ireland.
Zero-Based Budgeting for Beginners: The Method, Three Worked Budgets and a Template
Zero-based budgeting means every dollar or pound gets a job before the month starts. Here is the five-step method, three worked budgets and a free template.
Joint Account vs Separate Accounts: How Couples Should Choose
Joint, separate, or yours-mine-and-ours? Compare all three on liability, credit files, deposit protection and what happens if the relationship ends.
The Envelope Budgeting System: A Worked Month, Digital Envelopes, and When Cash Still Wins
Envelope budgeting caps each spending category at a fixed amount. Here is the method, a fully worked month, the digital version, and where cash still wins.
How to Split Bills With Your Partner When You Earn Different Amounts
Split bills fairly on unequal incomes: the proportional formula worked at four income gaps in dollars and pounds, plus three alternatives and when each fails.
Where to Keep Your Emergency Fund in the UK: Comparing the Options
Easy-access savings, cash ISA or Premium Bonds? Compare where to keep a UK emergency fund on access speed, FSCS protection, tax and rate — with the trade-off shown.
Ready to Take Control?
Stop stressing about money and start building the future you deserve.
Get Started Free