Blog

Practical tips, guides, and insights on budgeting and personal finance.

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7 min read

How to Budget as a Couple Without a Joint Account

Create a clear shared household budget while keeping separate bank accounts, with equal and income-based worked examples.

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6 min read

How to Budget With Four-Weekly Pay and Monthly Bills

Turn 13 four-weekly pay packets into a clear plan for 12 months of bills, with a worked UK example and payday calendar steps.

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5 min read

How to Calculate the Money You Have Left After Bills

Calculate money left after bills with a two-stage method, careful frequency conversions and a clearly labelled UK example.

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2 min read

Budgitrack 1.2: built for iPhone Duo

Budgitrack 1.2 adds support for iPhone Duo. Open it to see your summary on one page and the detail on the other, or fold it and carry on using the cover screen.

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4 min read

Do You Need to Track Every Purchase to Budget Well?

When does a spending diary help, and when can an accurate plan and occasional statement check be enough?

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6 min read

How to Do a Monthly Budget Reset

Use a short monthly routine to check income, update recurring bills, prepare for irregular costs, and set clear next actions.

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6 min read

How to Plan a Budget Before Moving Home

Separate one-off moving costs from the new monthly budget, test uncertain figures, and plan the handover of household bills.

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6 min read

Zero-Based Budgeting: A Practical UK Worked Example

Build a practical zero-based budget with a complete, clearly labelled UK monthly example, savings goals, irregular costs, and a buffer.

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5 min read

Fixed vs Variable Expenses: A Simple UK Budget Example

Learn the practical difference between fixed, variable and irregular expenses with a complete, clearly labelled UK monthly budget example.

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6 min read

How to Create a Monthly Bills Calendar

Build a practical monthly bills calendar with real payment dates, a running balance and a clearly labelled UK example.

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5 min read

How to Plan for Annual and Irregular Expenses

Turn annual bills and irregular costs into realistic monthly set-asides with a practical, clearly labelled UK household example.

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6 min read

How to Budget With Irregular Income: A Practical UK Guide

Build a practical budget for variable pay using a cautious baseline, monthly annual-cost amounts, and a clear rule for better months.

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6 min read

Budgitrack Launches Private iOS Budgeting App

Recurse Ltd. launches Budgitrack, a private iOS budgeting app for the 2 in 3 UK adults who skip Open Banking. No bank linking, data on-device. Out now.

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10 min read

The 50/30/20 Budget Rule: Does It Actually Work in the UK?

UK median household income is £36,700. Here's how the 50/30/20 budget rule works, where it breaks down, and how to adapt it for real UK living costs.

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9 min read

Why You Don't Need to Link Your Bank Account to Budget

Two-thirds of UK adults don't use Open Banking. Manual budgeting gives you more control, better privacy, and fewer security risks. Here's the data.

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