The WinaltTrack blog
How to build an emergency fund, even on a tight budget
A practical guide to building an emergency fund: how much to save, where to keep it, how to start small and how to track it as a savings goal.
How to build a monthly budget you'll actually stick to
A simple seven-step way to build a monthly budget that survives: find your real numbers, cover fixed costs, set realistic limits, pay yourself first and review weekly.
How to track car expenses: fuel, repairs and running costs
A simple system for tracking what your car really costs: what to record, how to work out cost per kilometre, and how to keep service records you can show a buyer.
How to track your expenses without creating an account
A simple way to track spending without sign-ups or bank links: what to record, how to organise it, and the options that keep your data on your phone.
How to keep track of money you lend or borrow (without awkward conversations)
Informal loans between friends and family go wrong when nobody wrote anything down. Here is what to record, how to ask politely, and how to keep loans out of your budget.
The 50/30/20 budget rule, explained with a simple example
The 50/30/20 rule splits your take-home pay into needs, wants and savings. Here is how it works, a worked example, and what to do when the numbers do not fit your life.