Blog
Saving money without a budget, no spend challenges that survive a bad week, and tracking your spending without handing your bank details to anybody.
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How to save money without a budget
Budgets control what you spend. There is another way: record what you decided not to spend, and keep the difference.
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The no spend challenge, without the streak that ruins it
One purchase on day twelve erases eleven days of real decisions. Score the money instead and the total never resets.
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How to stop impulse buying by recording what you didn't buy
Most advice adds friction. The missing half is a record: not buying leaves no trace, so it feels like nothing happened.
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Expense trackers that don't link your bank, and why manual wins
Most Mint replacements still want read access to your account. There is a good argument that typing it in yourself works better.
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What to do when you buy it anyway
How a tracker handles its failure state decides whether you still use it in six weeks. Here is why nothing happening is right.
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Mint alternatives if you never wanted your bank connected
Every replacement people recommend starts by asking for your bank. If that was your objection, here is what is actually left.