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Guides and ideas for splitting your income across your real accounts. No expense tracking, no daily upkeep.

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You were never bad at money
Money is a habit problem, not a math problem. Why budgets fail, and what works without daily attention.
The balance is your budget
What changes when you spend: check the account, not a spreadsheet.
The guilt-free spending account
One account for everything fun, funded every payday. Spend it to zero.
How to move your money on payday
The 5-minute payday routine that makes the whole system work.

How to budget with irregular income
A system for income that changes every month.
How to budget as a freelancer
A budgeting approach built for freelance income.
Hit your goals with irregular income
Make progress on savings goals even when income varies.

Unexpected benefits of percentage-based buckets
They scale with your income, never break a lean paycheck, and make benchmarking easy.
Your system builder is more powerful than you think
Nested buckets, per-bucket instructions, amounts vs. percentages, and more.
Should you give a budgeting app your bank password?
Short answer: no. And you probably don't need to.
Recommended learning resources
The books and ideas behind this approach to money.
Make your money easy and fun
Money management does not have to be a chore.
Biweekly budget template
A simple starting template for biweekly paychecks.