The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
Joint vs. Separate Accounts for Couples
Compare joint, separate, and hybrid account systems by bill visibility, autonomy, income differences, workload, and the cost of mistakes—not ideology.
Daily Budget vs. Weekly Budget
A daily budget gives immediate pacing; a weekly budget allows lumpy days. Compare both using the same available money and choose the view you will actually use.
How Much Money Is Actually Left After Bills?
Find what is really left by subtracting fixed bills, near-term essentials, debt and savings commitments, and known irregular costs from available income.
What to Do When Your Credit Card Minimum Payment Increases
A higher minimum can come from a larger balance, fees, interest, or issuer formulas. Read the statement, protect the due date, and contact the issuer early.
How to Pay Off Buy Now, Pay Later Balances
List every BNPL payment and due date, protect required installments, stop adding plans, and direct extra money to the balance that frees cash fastest.
Debt Payoff Burnout: Fix the Plan, Not the Goal
If debt payoff has become impossible to sustain, protect minimums, reduce the extra payment temporarily, restore a small buffer, and set a dated review.
How to Plan Credit Card Payments Between Paychecks
Map the statement minimum and due date to actual paydays, protect essentials first, and make extra payments without leaving the next week short.
How to Budget Without Categories
Budget without dozens of spending categories by separating fixed obligations, essentials, planned costs, and the amount available for ordinary days.
How to Budget During Unpaid Parental Leave
Map each unpaid week, confirm available benefits, protect housing and care costs, build the leave fund, and plan the first paychecks after returning.
It's time to see your number
Check Depo. Know where you stand.
No bank login. No account linking. Just you and the number.