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Clear thinking about a complex financial life
Notes on net worth, cash flow, shared money and planning ahead. Written for people who already track their money and want the whole of it in one view.
Financial picture11 October 2026What does your financial position actually mean?Financial position is a dated picture of what you have, what you owe, and the cash you can actually see today.Read
More, newest first
- Using Finium22 September 2026Why Finium counts your income only onceWhat "your income is already in your account" means, and why a salary that has arrived is not counted again as income still to come.
- Savings22 September 2026How many months of essential costs should your savings cover?What "your money covers N months of essential costs" means, and the three-to-six-month guideline behind it.
- Using Finium22 September 2026How Finium treats what you owe on your cardsWhy a credit card balance is shown but never added to what your plans need, and how to check your plan covers the repayment.
- Wealth12 April 2026How to calculate your real net worthA practical way to add up what you own, subtract what you owe, and avoid common blind spots.
- Household10 April 2026How couples can manage money without losing independenceShared clarity works best when personal autonomy stays visible, not hidden behind joint labels.
Topics
- Using Finium2
- Financial picture1
- Savings1
- Wealth1
- Household1
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