Mental accounting: why a euro from a refund spends differently
A euro is a euro, but your brain files it into pots and spends each by a different rulebook. Spot the pots quietly costing you, keep the ones that save you.
Budgeting
Budgeting frameworks (zero-based, 50/30/20, envelope) for assigning every euro a job before it wanders off.
More posts
The psychology of spending: why we buy things we don't need
A €200 jacket split into four payments reads to your brain as €50. The psychology of spending, and how to put the brake back.
The science of how to buy happiness (it's not what you think)
Science says you can buy happiness. Four evidence-based rules for spending so it lasts, with real euro examples for European readers.
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.
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.