Blog - Earnology

The Zero-Growth Budget That Finally Worked

No side hustle. No raise. Just a radical mindset shift: What if you stopped trying to grow your way out of debt—and...

We’ve all heard the pitch: “Good debt” is an investment—like student loans, mortgages, or business borrowing. It...

If you're stuck in the debt cycle, chances are you've tried cutting coffee, skipping dinners out, or ditching Netflix....

If you've ever paid off a credit card—only to run it back up again—you’re not alone. The cycle isn’t just financial....

Debt isn’t just a numbers issue—it’s an emotional minefield. And when you're in a relationship, that minefield gets...

If you’re tired of obsessing over $3 coffee while your rent eats half your income, you’re not the problem. Your budget...

If budgeting apps keep failing you, it might be time to go analog. A budgeting notebook isn’t just old-school—it’s the...

I used to download every budgeting app I could find. You Need a Budget. Mint. Rocket Money. A dozen no-name startups...