The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
How to start budgeting in the middle of the month
You do not need to wait for the first of next month. Start with what is still coming in, what is still due, and the days remaining.
Budgeting for Punks (And Other People Who Refuse to Play the Game)
You didn't reject the 9-to-5 to come home and build a spreadsheet. Here's the one number you actually need so you can stop thinking about the rest.
The 10-Minute Start-of-Month Money Check
How to set up a monthly budget quickly — the four-number routine that replaces categories, spreadsheets, and the Sunday afternoon you'll never get back.
What expenses should I include in a simple budget?
Include rent, utilities, subscriptions, debt minimums, transport, insurance, and other committed costs. Do not demand perfect categorization.
Why Tracking Your Money Matters (Even If You Hate Spreadsheets)
Tracking your money isn't about discipline or spreadsheets. It's about trading vague fear for clear numbers so daily decisions feel lighter.
What Counts as an Essential Expense?
Essential expenses are the costs that keep your life running at a basic, stable level: shelter, utilities, groceries, transport, minimum debt payments, and core insurance. Everything else is optional.
Why your bank balance is not your spending money
Your bank balance mixes spoken-for money with open-to-spend money. Here is how to figure out what you can actually spend without running short.
Why daily spending limits work better than monthly budgets for some people
A monthly total can be hard to translate at the exact moment of purchase. A daily number is easier to act on.
Budgeting with ADHD: One Number You Can Actually Use
Traditional budgets demand tracking, categories, and consistency that ADHD brains struggle with. A single daily safe-to-spend number cuts through the fog.
It's time to see your number
Check Depo. Know where you stand.
No bank login. No account linking. Just you and the number.