The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
How Much Can a Freelancer Safely Spend Between Payments?
A practical way to decide what you can spend between freelance payments—even when invoices arrive late and every month looks different.
How to Budget for Annual and Irregular Expenses
Plan for yearly bills, seasonal costs, and irregular expenses before they hit. A simple way to reserve money without building a giant budget.
How to Stop Impulse Spending With ADHD
Practical ways to stop impulse spending with ADHD — friction techniques, a pre-purchase check, and what to do if you already bought it.
Depo vs. YNAB vs. PocketGuard vs. Monarch: Which Budgeting Style Fits You?
Compare Depo, YNAB, PocketGuard, and Monarch by budgeting style, bank connections, maintenance, pricing, and who each app actually fits.
How to Restart a Budget Without Starting Over
Fell behind on budgeting? Rebuild the plan from today's balance, remaining bills, and days left without reconstructing the whole month.
How to Budget When Your Paychecks Arrive on Different Dates
Paychecks arriving on changing dates? Match bills to actual cash arrivals and plan the gaps instead of forcing everything into one month.
What to Do When You Forgot to Track Spending for a Week
Missed a week of expense tracking? Repair the useful part of your budget, update what remains, and continue without rebuilding everything.
How Much Should You Pay Toward Debt Without Ruining the Month?
Choose a debt payment that reduces the balance without leaving you unable to cover bills or forcing you to borrow again later.
The Late Payment Wasn't the Real Problem
A late-paying client doesn't have to derail your month. Here's a better way to budget when freelance income arrives later than expected.
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