iBudget Blog
Expert tips, guides, and strategies to help you and your family master your money
Income Disparity in a Relationship: A System That Actually Feels Fair
When one partner earns far more: how to split shared costs, level up spending money, and close the retirement gap a fair-looking split quietly creates.
How Much Mortgage Can I Afford? Work Backwards From the Payment
Turn a monthly payment you can genuinely carry into a maximum loan: the multiplier, worked examples for the US and UK, and what each market's lenders check.
Financial Infidelity: What the Evidence Actually Shows, and What to Do
No survey reliably measures how common financial infidelity is. Here is what the evidence really shows, how to tell secrecy from safety, and what to do next.
How to Stick to a Budget (When You've Already Broken One)
Budgets break for structural reasons, not weak willpower. Diagnose your failure mode, rebuild from real statements, and use a recovery loop that works.
Cash vs Card for Budgeting: What the Evidence Actually Shows
Does paying in cash make you spend less? An honest read of the research, a head-to-head table, the country rules that differ, and a decision path for both.
How to Reduce Your Energy Bills: The Arithmetic That Decides What Works
Cut energy bills by the numbers: what a unit costs in the UK and US, how to price any appliance in 30 seconds, and how to rank upgrades by payback.
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