Guides
Get more out of your money with practical, no-fluff guides.
How to budget from an SEB, Swedbank, or Revolut statement
Turn a CSV bank statement from SEB, Swedbank, Handelsbanken, Nordea, Danske Bank, or Revolut into a working budget and forecast in minutes — no bank login required.
5 min read
Cash-flow forecasting for freelancers and variable income
Calendar-month budgets break when your income is irregular. Here's how pay-cycle cash-flow forecasting helps freelancers, contractors, and commission earners know if they're safe to spend.
6 min read
What “safe to spend” really means (and how to calculate it)
“Safe to spend” isn't your bank balance. Here's how to work out the money you can actually spend before your next payday once everything still owed is accounted for.
4 min read
How to budget when every month's income is different
A practical method for budgeting on irregular income: base your spending on a safe floor, forecast around your real pay cycle, and stop letting good months hide bad ones.
6 min read
How much should you save when your income is irregular?
Saving a flat percentage doesn't work when income swings. Here's how to size an emergency buffer, save in good months, and protect yourself through the lean ones.
5 min read