Budget rule
50/30/20 budget rule spreadsheet
How to apply the 50/30/20 budget rule in a spreadsheet: split take-home income into needs, wants, and savings, and use the percentages as a check, not a law.
Read the guideDebt payoff
Debt snowball vs avalanche: how the two methods compare
How a debt snowball and a debt avalanche use the same monthly payment but a different payoff order, and how to compare the debt-free date and interest. A description of a tool — not financial advice.
Read the guideFIRE number
FIRE number calculator: how much do you need
How a FIRE number is usually calculated from annual spending and a withdrawal rate, and how a simplified time estimate works. A tool only — not a forecast and not financial advice.
Read the guideBudget
Free monthly budget spreadsheet template: how to build a budget
How to build a monthly budget in a blank spreadsheet: income, fixed and variable costs, plan versus actual, and a savings rate. The file stays on your computer.
Read the guideHousehold bills
Household bills calendar: how to never miss a due date
How to list household bills once, read the month at a glance, and keep a last-paid date so rent, utilities, and insurance do not slip by.
Read the guideZakat
How to calculate zakat on gold, silver and savings (worked example)
Step-by-step zakat calculation: the gold and silver nisab, valuing 22K and 18K gold, what to deduct, the hawl, and a worked example at 2.5%. Arithmetic only, not a fatwa.
Read the guideNet worth
How to track net worth in a spreadsheet
How to list assets and liabilities, take a monthly snapshot, and read the change in a spreadsheet that stays on your computer. No bank connection required.
Read the guideSubscriptions
How to track subscription renewals
How to build a complete subscription list, convert every price to a yearly cost, and set a reminder window before the next renewal.
Read the guideDocuments
What to put in an emergency documents binder
What to list in a household emergency documents binder, what to leave out, and how to write locations clearly enough that a trusted person could use them.
Read the guideAuf Deutsch
Haushaltsbuch · Deutsch
Haushaltsbuch Excel-Vorlage: so führst du eins
Wie du ein Haushaltsbuch in Excel aufbaust: Einnahmen und Ausgaben, Plan und Ist, Sparquote. Die Datei bleibt auf deinem Rechner — ohne Bankverbindung.
Ratgeber lesen