The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
The Late Payment Wasn't the Real Problem
A late-paying client doesn't have to derail your month. Here's a better way to budget when freelance income arrives later than expected.
What to do when you overspend your daily budget
Do not reset, punish, or pretend it did not happen. Update the number and use the information.
Why You Avoid Checking Your Bank Account (And Why That's Not About Discipline)
Avoiding your bank account isn't a discipline problem — it's shame. Research shows shame makes us hide from money info. Here's how the loop works, and what breaks it.
Debt Payoff and Daily Spending: Budgeting When Most of Your Money Is Already Spoken For
Debt payoff plans tell you what to pay. They don't tell you how to live on what's left. Here's how to budget the money that's actually yours.
How to stop avoiding your bank balance
Reduce the task to a quick check of one useful number rather than a full financial review. Checking should take 10 seconds.
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.
It's time to see your number
Check Depo. Know where you stand.
No bank login. No account linking. Just you and the number.