If you’ve ever tried a budgeting app, hated the experience, and still want control over your money—start a budget...
Blog
Welcome to the Earnology Blog
Budgeting on a Whiteboard: Physical Visibility = Better Discipline
If you constantly overspend—not because you’re reckless, but because you literally forget what’s left—this post is for...
How to Review Your Budget in 5 Minutes a Day
You don’t need an hour, a spreadsheet, or a guilt trip to keep your budget on track. What you need is a system that...
The “Anti-Spreadsheet” Budget: How to Budget Without Math Overload
The “Anti-Spreadsheet” Budget: How to Budget Without Math Overload Let’s be real: spreadsheets aren’t neutral...
Should You Use Sinking Funds or Just Save in Bulk?
Sinking funds are everywhere in budgeting advice. You’ve probably seen the videos: someone with 19 labeled envelopes,...
“I Hate Budgeting”: What to Do When Every System Fails
If you've ever said “I hate budgeting,” you're not lazy. You're not irresponsible. You're not broken. You’re just...
Envelope Budgeting vs. Digital Wallets — What’s More Effective?
Here’s a question that’s splitting the budgeting world in half: Should you go old-school with envelopes, or modern...
Budget Like a Barista: The 3-Step Cash Flow Model
Picture this: You’re working a busy coffee shift. Orders come in, drinks go out, tips drop in the jar, and somehow it...