Starting a Budget When You're Already Behind
Most budgeting advice assumes you're starting from zero. But what if you're already juggling overdue bills? We talked to three people who turned things around despite starting in the red. The first step isn't cutting spending, it's actually getting clear on where you stand right now.
Read the full guideThe Irregular Income Challenge
Freelancers, casual workers, and anyone with variable pay face a different budgeting puzzle. You can't just divide your annual income by twelve. This guide covers the buffer strategy, priority billing, and how to handle feast-or-famine cycles without panic.
Read the full guideEmergency Funds: Starting Small
The standard advice is three to six months of expenses saved. That's great, but not helpful when you're living week to week. Here's how to build a 0 starter fund over four months, and why that matters more than you think.
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