Let’s get one thing straight: if your “emergency fund” comes with a 25% interest rate, it’s not a backup plan — it’s a...
Why Your Credit Card Isn’t Your Emergency Fund
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Welcome to the Earnology Blog
What to Do When You’re Drowning in Minimum Payments
If your debts feel endless and you’re stuck making minimum payments month after month, you’re not broken—you’re...
Smart Splurges That Are Actually Worth It
Frugality doesn't mean deprivation. In fact, the most financially savvy people know when to spend—and when to hold...
Why Friction-Free Spending Is Destroying Your Financial Goals
You don’t need to be reckless to blow your budget—you just need convenience. One-click checkout. Tap-to-pay. Saved...
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...
The Myth of “Good Debt” — When It Actually Hurts You
We’ve all heard the pitch: “Good debt” is an investment—like student loans, mortgages, or business borrowing. It...
Budgeting for Debt Payoff: Where to Cut Without Losing Your Mind
If you're stuck in the debt cycle, chances are you've tried cutting coffee, skipping dinners out, or ditching Netflix....
The Psychology Behind Spending Triggers in Debt Cycles
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....