Blog
Notes on budgeting, spending and money — written to be useful on their own, and honest about where each idea falls short.
Zero-based budgeting vs. smooth budgeting
Zero-based budgeting assigns money after it lands. Smooth budgeting plans the year before it does. What each one asks of you, and which situations suit which.
What is smooth budgeting?
Budget a stable amount every month and let your income vary underneath it. What smooth budgeting is, how to work out your number, and where it falls short.