The mooves blog
Money moves, explained.
Bite-sized guides on budgeting, net worth, and the small habits that quietly add up.
- Budgeting
The 50/30/20 rule: how to split your income (with a calculator)
Put 50% of take-home pay toward needs, 30% toward wants and 20% toward savings and debt. What goes in each bucket, how to set it up, and what to do when the numbers don't fit.
- Saving
How much should you have in an emergency fund?
Most people need three to six months of essential costs. How to work out your own number, where to keep the money, and how to build it from zero.
- Money Habits
How to find and cancel subscriptions you forgot about
A 30-minute check that finds every recurring payment on your cards, app stores and PayPal, plus how to cancel them and stop new ones piling up.
- Net Worth
How to calculate your net worth (and why it tells you more than your salary)
Net worth is what you own minus what you owe. A step-by-step way to work it out in about 20 minutes, with an example, common mistakes and how often to update it.
- Money Habits
How to track your spending (and actually stick with it)
Why most spending trackers get abandoned after two weeks, and a simple setup with three fields, a few categories and a weekly check that holds up on busy weeks.
- Money Management
How to manage money when your income changes every month
A budgeting system for freelancers and anyone with irregular pay: find your minimum monthly number, build an income buffer and pay yourself a steady salary.
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