Net worth6 min
How to calculate your net worth
What net worth is, how to work it out with one subtraction and what to do with the number. With a worked example and the mistakes that inflate it.
By Oscar Gómez
Signed articles
Freelance6 min
Freelance finances without mixing accounts
How to keep business money apart from your own as a freelancer: which accounts you need, how much to set aside and what to review monthly. No accounting.
By Oscar Gómez
Saving6 min
Saving when your income changes every month
How to budget and save when you do not know what you will earn: the buffer month, your spending floor and what to do in good months. Method, not willpower.
By Oscar Gómez
Tools7 min
Tracking expenses in several currencies
How to run accounts in two or more currencies without getting lost in exchange rates: what to log, when to convert and why a single total misleads you.
By Oscar Gómez
Tools6 min
Expense app on iPhone, without the App Store
How to install an expense app on iPhone straight from Safari, no App Store: the three taps, what changes compared to a native app and what does not.
By Oscar Gómez
Habits6 min
How to categorise your expenses
How many categories you need, which ones are dead weight and how to decide where each expense goes. With the 27 Sumant ships and why they split that way.
By Oscar Gómez
Tools4 min
7 best personal finance apps in 2026
We compare 7 expense-tracking apps in 2026: what they really cost, which ones want your bank login and the catch in each. Ours included, flaws and all.
By Oscar Gómez
Habits2 min
Track your spending in 5 minutes a day
A 3-step method to track your spending in 5 minutes a day, with no spreadsheets and no bank connection. What it takes to not drop it in March.
By Oscar Gómez
Tools3 min
Excel template for monthly expenses, and its limit
I tracked monthly expenses in a spreadsheet for four years. How the template was built, what worked, and the exact point where it stopped being enough.
By Oscar Gómez
Privacy3 min
App to track expenses without connecting your bank
How to pick an expense app that never touches your bank: what to look for, what to avoid, and what you actually give up without automatic sync.
By Oscar Gómez