Financial Education

Budgeting apps vs spreadsheets: pros, cons and privacy
Budgeting apps vs spreadsheets: pros, cons and privacy
Budgeting apps make tracking easy with bank sync, automatic categories and alerts — but they also come with trade-offs: access to your full transaction history, recurring subscriptions and lock-in. This... Read more...
The 50/30/20 rule: does it still work in 2026?
The 50/30/20 rule: does it still work in 2026?
Half for needs, 30% for wants, 20% for savings: the 50/30/20 rule is the most famous budgeting method in the world — but with rents up 25% across the EU... Read more...
The subscription you forgot is costing you a weekend away
The subscription you forgot is costing you a weekend away
A €12.99 subscription doesn't look like much — until you realise it costs €156 a year and renews whether you use it or not. This article explains why subscriptions are... Read more...
Fixed and Variable Expenses
Fixed vs. Variable expenses: the complete guide to taking control of your spending
Most people know they should manage their money better — but the gap between knowing and doing often starts with one overlooked distinction: fixed versus variable expenses. This guide explains... Read more...
How to build a monthly budget that actually works
How to build a monthly budget that actually works
Managing money effectively starts with one fundamental skill: building a monthly budget that reflects reality. In this guide, we walk through each step of the process — from calculating your... Read more...
3 habits that cost you €200 a month (without you noticing)
Most money doesn't disappear in big decisions — it leaks out through small, repeated habits you stopped noticing long ago. Unchecked subscriptions and auto-renewals, the "small treat" reflex after a stressful day, and the hidden cost of disorganisation (fees, interest, late penalties) can easily add up to €200 a month, or €2,400 a year. This article explains each habit, gives you a simple test and a quick fix for every one, and ends with a 10-minute exercise to find your own leaks in your last 30 days of transactions. Read more...
My Budget Spreadsheet: the Excel template to take control of your personal finances
My Budget Spreadsheet: the Excel template to take control of your personal finances
My Budget Spreadsheet is a personal finance management template available in Excel and Google Sheets, designed by Financial Spreadsheet to help anyone take control of their money with ease. The... Read more...