Guides
Plain-language guides to budgeting, tax, trading and travel decisions, each with a worked example and the steps to do it in BudgetR.
Budgeting
Annual Budget Planner: Plan Your Year Month by Month
Plan all twelve months, spread irregular bills across the year and review plan against actual.
How to See Your Lowest Balance Before Payday
Project your balance day by day and find the lowest point before the next paycheck.
Debt Avalanche vs Snowball: Compare Payoff Plans
Compare highest-rate-first and smallest-balance-first payoff on the same three debts.
Household
Budgeting as a Couple Without Merging Every Account
Split shared bills fairly and share selected accounts and a joint plan without merging everything.
Tax
Net Operating Loss Carryforward for Individuals
How an NOL carries forward, the 80% limit, excess business losses and why capital losses are separate.
Trading
Trading Journal Returns: Separate Performance From Deposits
Time-weighted return, IRR and net-of-fee P&L, and why deposits should not count as performance.
Travel
Cash or Points? Compare an Award Flight to the Cash Fare
Work out cents per point after taxes and fees and compare an award with the cash fare.