TopMoneyTips
Calm monthly money decisions for people who earn enough but still feel uneasy. One 20-minute check a month - no transaction logging, no spreadsheets. From TopMoneyTips.com.
| Platform |  | Pricing | Only free issues | Publishes | Twice weekly |
|---|---|---|---|---|---|
| Issues | 10 | Founded | a month ago | Last Issue | 6 days ago |
| Active | |||||
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topmoneytips1.substack.comLatest Issues
Your Average Month Is Not a Month You Will Ever Have
If your income moves month to month, the average is the number most budgets get built on. It is also the number least likely to turn up.
An average is assembled after the fact, out of months you already got through. It carries no informati...
Your Budget Records the Month. It Should Decide It.
A budget that records is not the same tool as a budget that decides. Most of the ones that fail are the first kind.
The recording version answers a question about the past: where did it go. It is accurate, it is tidy, and by the time it is...
A Pay Rise Is a Fixed-Cost Decision
A pay rise shows up twice. Once on payday, where it reads as income. And again about three months later, inside your fixed costs, where it stops being income.
Here is the arithmetic almost nobody runs.
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The Money Left at the End of the Month Has No Job
Most months that end with money left over do not end with money saved. The balance sits there for a few days, looks like slack, and then a delivery, a dinner out and one small upgrade absorb it. By the 3rd the account is back where it alway...
Two Accounts Is One Account Short
There is a version of this that happens in most households. Two accounts. One for spending, one for savings. The setup is textbook, the discipline is real, and it still falls apart in March, when the car service lands.
It falls apart becau...
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| Subscribers | Engagement | 66 | Monthly Web Visits | ||
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Practical money systems to help you spend better, worry less, and make clearer financial decisions.
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