The Depo files
Straight answers for people who want to know what they can spend and move on with their day.
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.
Budgeting for freelancers and self-employed people
Freelancer income is unpredictable. Traditional budgeting tools assume a steady paycheck. Here is how to actually budget when you do not know what you will make.
Budgeting for gig economy workers
Gig work means your income changes daily. Traditional monthly budgets do not work. Here is how to handle variable daily income without losing your mind.
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.
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