The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
How to Budget for Quarterly Taxes When You're Self-Employed
Quarterly taxes do not have to ambush your cash flow. A simple routine for freelancers to reserve cash as income lands and check it before each due date.
How to Pay Off Debt With an Irregular Income
Debt payoff gets harder when pay changes month to month. Build a payment that survives low months, use good months wisely, and avoid new debt later.
What to Do When Your Budget Never Matches Your Actual Spending
If the same categories miss every month, the plan—not your character—may be wrong. Use recent spending to reset targets and keep the parts you need.
How to Remember to Pay Bills With ADHD
If bill reminders keep disappearing, stop relying on memory. Build one visible due-date list, automate carefully, and use a simple recovery routine.
How to Budget After a Pay Cut Without Pretending Nothing Changed
A pay cut makes the old plan obsolete. Rebuild from the new take-home amount, protect essentials, pause extras, and decide what must change now.
How to Budget With Seasonal Income and Make the Off-Season Boring
Seasonal income is uneven but not entirely unpredictable. Map the year, fund the off-season first, and spend from what the full cycle supports.
How to Budget on Commission Income Without Spending the Good Months Twice
Build fixed commitments around the income you can reliably count on, not the income you expect from a good sales month. Treat commission as available only after it lands, then divide it among upcoming obligations, taxes, reserves, goals, and flexible spending.
Should You Build an Emergency Fund While Paying Off Debt?
Usually, yes. Keep required debt payments current, build a modest emergency fund, then put more money toward expensive debt. The right buffer depends on your actual risks.
How to Prioritize Bills When You Can't Pay Them All
Can't pay every bill this month? Rank payments by consequence, protect housing and income, call providers early, and make a realistic short-term plan.
It's time to see your number
Check Depo. Know where you stand.
No bank login. No account linking. Just you and the number.