Most people avoid tracking their debt because it feels like a mental pileup—too many accounts, too many due dates, too...
How to Create a “Debt Dashboard” That Doesn’t Overwhelm You
read more
Blog
Welcome to the Earnology Blog
Why High-Interest Debt Isn’t Always the Smartest First Target
Conventional wisdom says you should always pay off high-interest debt first. It’s “mathematically optimal.” But here’s...
The Debt That Stresses You Out the Most? Pay That One First.
If just looking at your debt makes your chest tighten, you’re not alone. But here’s something most budgeting advice...
How to Pay Off Debt When You’re Not a “Debt Snowball” Person
The “debt snowball” method is everywhere—list your debts from smallest to largest, pay the little ones first, and ride...
How a $1 Notebook Helped Me Stop Living Paycheck to Paycheck
There was a time when I couldn’t make it past the 25th of the month without panicking. Rent was always close....
How to Use Bank Sub-Accounts as Budget Envelopes
No Cash, No Problem—Meet the Digital Envelope System If the idea of carrying around labeled envelopes of cash makes...
Notebook vs App: What Works When You’re Overwhelmed
Overwhelmed by your spending? You’re not alone. But before you download yet another budgeting app or splurge on a...
Why You’re Forgetting 80% of Your Spending
Most people don’t track their money because they don’t think they need to. “I don’t spend that much” or “I mostly just...