Budgeting, in plain language
Practical articles on making a budget, saving more and keeping your money private.
Fince 2.0: accounts, bills, goals and more
Fince 2.0 adds accounts, recurring bills, savings goals, debts, a forecast, widgets, iCloud sync and a daily spending allowance — still private.
September 29, 2026 · 4 min readBudgetingHow much can I spend per day? A simple daily allowance
Work out a daily spending allowance: money left after bills, divided by the days left. How to do it by hand, why it works, and how Fince does it for you.
September 22, 2026 · 6 min readPrivacyWhy use a budget app without a bank connection?
What linking a budget app to your bank involves, what you gain and lose by noting expenses yourself, and who a budget app without bank access suits.
September 18, 2026 · 6 min readBudgetingThe 50/30/20 rule explained, with a worked example
What the 50/30/20 budgeting rule means, a worked example, where it falls short (high rent, irregular income) and how to adapt it to your situation.
September 14, 2026 · 6 min readBudgetingHow to make a monthly budget, step by step
A simple five-step method: list your income and fixed bills, set savings aside first, share out the rest, then review at the end of the month.
September 10, 2026 · 6 min readBudgetingStudent budget: a simple plan that actually holds
Build a student budget that lasts the month: income first, fixed costs, food and going out by the week, small subscriptions, a buffer and a weekly check.
September 6, 2026 · 6 min readBudgetingHow to find, track and cut your subscriptions
List every subscription from your statements, ask "would I sign up again today?", then cancel, pause or downgrade, and keep the rest in view.
September 2, 2026 · 5 min readSavingEmergency fund: what it's for and how to build one
What an emergency fund is for, how to size it from your essential costs, where to keep it and how to build it step by step, with a worked example.
August 28, 2026 · 5 min readHabits5 spending habits that drain your savings (and how to fix them)
Five small spending habits that quietly eat into your savings, with worked examples and a concrete fix for each one.
May 9, 2026 · 6 min readAIWhy AI-powered budgeting beats spreadsheets in 2026
Spreadsheets gave you control of your numbers. What a budget app with AI on your iPhone does better, where it falls short, and what it sends.
May 9, 2026 · 6 min readFreelancingHow freelancers can manage cash flow with Fince
Irregular income and tax payments to come: set money aside, pay yourself a steady baseline and see tight months early, with accounts and a forecast.
May 9, 2026 · 7 min readToolsThe privacy-first finance app stack: a 2026 guide
A practical 2026 stack for your budget, notes, receipts, documents and AI, with each tool chosen for how it treats your financial data.
May 9, 2026 · 7 min readPrivacyHow to track expenses without giving up your privacy
Budget without handing over your bank login: what bank sync really shares, private alternatives that work, and a checklist before you install.
May 9, 2026 · 6 min read