Blog
Straightforward writing about money, overdrafts, and the one number that matters more than your balance.
Money Habits
Why Your Bank Balance Lies to You
Your bank balance doesn't know about bills that haven't cleared yet. Here's the number that does.
My Story
How I Stopped Overdrafting for 3 Years, No Budget Required
One forgotten $8 subscription, a $35 fee, and the paper-to-spreadsheet-to-app story behind it.
Money & Privacy
Why YourSafeSpend Doesn't Connect to Your Bank
Most budgeting apps ask for your bank login. Here's what actually happens to that data once you say yes.