The cash envelope system sounds simple: take out cash, put it in envelopes for categories, and spend only what's...
How to Use Cash Envelopes Without Going Off the Rails
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Welcome to the Earnology Blog
The Sunday Reset: Weekly Habits That Keep Your Finances on Track
Most people think budgeting is a once-a-month chore. That’s exactly why it fails. If your financial life constantly...
Zero-Based Budgeting for People with Irregular Income
If your income is unpredictable—freelancer, gig worker, self-employed, tipped—you’ve probably heard of zero-based...
What to Track If You Hate Tracking Everything
There’s a myth in the budgeting world that you have to track every single expense to make progress. That’s great—if...
Stop Budgeting Monthly — Try Weekly Tracking Instead
Most people fail at budgeting not because they don’t care—but because they’re trying to manage money in a way that...
Frugal ≠ Cheap — Why That Distinction Matters
Frugal people get praised. Cheap people get side-eyes. But the line between the two isn’t always obvious—especially...
Why Broke People Overspend (And How to Break the Pattern)
It doesn’t make sense on paper. If someone’s struggling financially, why do they keep spending money on things they...
The Psychology of “I Deserve This”: How Justified Spending Wrecks Your Budget
“I deserve this.” It sounds harmless. Encouraging, even. But this three-word phrase might be the most budget-wrecking...