In January I did a no-spend month. Not because I’m disciplined. Not because I wanted a challenge. Because my car needed new tires, my checking account had $212 in it, and payday was nine days away. I’d read about no-spend months before. They’re always written by people with a savings cushion, a fully stocked pantry, […]

You already know you should budget. You’ve probably downloaded the app, watched the YouTube video, maybe even built a spreadsheet with color-coded tabs. And then a Tuesday happened. Then a Wednesday. And the spreadsheet sat there, untouched, quietly judging you from your laptop. That’s not a discipline problem. It’s a design problem. Almost every piece […]