The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
Budgeting for service industry workers
Tips are cash, unpredictable, and easy to spend. Traditional budgeting apps do not handle that. Here is how service workers can actually budget.
Budgeting with ADHD: why most budget apps fail you
ADHD makes traditional budgeting nearly impossible. Not because you are bad with money, but because the systems demand executive function you do not have on bad days.
How to budget when your income changes every month
Variable income does not require a more complicated system. It requires an honest starting point and a willingness to update.
Budgeting for people who hate spreadsheets
You do not need a spreadsheet to budget. You need one number. Here is how to stop building systems you will abandon in a week.
Budgeting for people who have tried and failed
You tried budgeting. It did not stick. The problem is not your discipline — it is the system demanding too much maintenance.
A budget for people who hate budgeting
You do not need to track everything perfectly to get a useful daily number. Here is how to keep it simple.
What is a daily spending limit and how does it work?
A daily spending limit is the amount you can safely spend in one day without running short before the month ends. Here is how it works.
It's time to see your number
Check Depo. Know where you stand.
No bank login. No account linking. Just you and the number.