The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
How to Budget When Your Work Hours Change Every Week
Your hourly rate may stay the same while your paycheck doesn't. Build your budget around low-hour weeks and give extra shifts a job afterward.
How to Budget After an Unexpected Expense
A surprise bill doesn't require starting your budget over. Recalculate from today, protect upcoming bills, and make the rest of the month work.
How to Stop Living on Credit Cards Every Month
If your card gets you from one paycheck to the next, paying it down isn't the whole problem. Here's how to break the monthly borrowing cycle.
How to Budget With Buy Now, Pay Later Payments
Klarna, Afterpay and other BNPL payments are future bills. Here's how to account for them without spending the same money twice.
How to Budget After Losing a Job: A 30-Day Cash Plan
A job loss makes the old budget irrelevant. Build a 30-day cash plan from what is real, protect urgent bills, and find official help before costs pile up.
How to Manage Subscriptions With ADHD
Recurring charges are easy to lose track of. An ADHD-friendly system for trials, renewals, and subscriptions you actually want to keep, not just forget.
How to Budget Without Linking Your Bank Account
You can budget without giving an app access to your bank. Compare manual methods, their trade-offs, and the questions worth asking before connecting.
How to Split Bills When You and Your Partner Earn Different Amounts
A fair bill split is not always 50/50. Compare three methods for couples with different incomes, then set a rule you can revisit without another fight.
How to Budget a Biweekly Paycheck When Bills Are Monthly
Paid every two weeks but bills arrive monthly? Map each bill to the paycheck before it is due, keep early money aside, and stop guessing between paydays.
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