How to track your net worth: a monthly guide for Europeans
Track net worth across countries and currencies with one home currency, one rate source, and one date each month. A plain, repeatable habit.
Money Management
Everyday money skills: budgeting, saving, credit, tax, and the fintech tools that, on a good day, make all of it less of a chore.
More posts
The envelope system and cash stuffing: does it still work in a cashless Europe?
The cash envelope budgeting system still works in a cashless Europe, but only if the empty bucket can actually stop your card. Cash, pots, and sub-accounts compared.
The subscription audit: how to find and cancel recurring expenses
Run a 30-minute subscription audit: find every recurring charge, cancel it, and use your EU bank and SEPA rights to make it stop.
Saving for short-term vs long-term goals: where to put your money
Match each pot to its timeline: keep one-year money in cash, five-year money in government bonds, and ten-year-plus money in diversified funds.