the blog
Calm, practical money guides.
Plain-language writing on budgeting, sinking funds, and paying off debt, from Steve Northcell, who budgeted his way out of debt and into a quieter life. Real numbers, no lectures, and the spreadsheets that made it work. Want the tools behind these guides?
Financial peaceHow We Paid Off Our Mortgage Early (and Would Do It Again)
The honest story: what it actually took, whether it was worth it, what it felt like on the other side, and the simple budgeting habit that made it possible.
Sinking fundsSinking Funds vs Emergency Funds: What's the Difference?
What each one is for, when to use which, which to build first, and how to run both without ten bank accounts. Plus a free tracker.
Sinking fundsSinking Fund Categories: Real Examples (and How Much to Set Aside)
The categories worth having, example amounts for each, a simple 4-step setup, and a free tracker to run it for you.