OvervueMoney guides
Plain-language guides to budgeting, tracking spending, net worth, credit cards and saving. Short, practical and free.
How to calculate your net worth, step by step
Net worth is what you own minus what you owe. Here's how to add up your assets and debts, with a worked example and what to do with the number.
2 min readHow to make a monthly budget you'll actually stick to
A practical way to set a monthly budget: start from real spending, pick one limit, check your daily pace and adjust. No spreadsheets needed.
1 min readThe 50/30/20 budget rule, explained with examples
The 50/30/20 rule splits take-home pay into needs, wants and savings. How it works, a worked example, and when to adjust the percentages.
2 min readHow to track your expenses: methods that actually work
Notebook, spreadsheet, bank statements or an app: the main ways to track expenses compared, and the habits that make tracking stick.
1 min readWhat is a good savings rate, and how do you work out yours?
Your savings rate is the share of income you keep. How to calculate it, what's a good target, and practical ways to raise it.
1 min readHow to keep track of money you lend to friends and family
Lending money to friends is easy; remembering who owes what isn't. Simple ways to record loans and IOUs and ask for repayment without the awkwardness.
1 min readHow to find and cancel the subscriptions you don't use
Streaming, apps, gym, cloud storage: subscriptions add up quietly. How to find every repeat charge, decide what to keep and stop paying for the rest.
1 min readCredit card statement date vs due date: what's the difference?
The statement date closes your billing cycle; the due date is when payment is due. How they work together and how to avoid interest and late fees.
1 min readHow big should your emergency fund be?
An emergency fund covers job loss, medical bills and urgent repairs. How much to keep, where to keep it and how to build it month by month.
1 min readSinking funds: how to save for trips, birthdays and big bills
A sinking fund spreads a known future cost over the months before it. How to set one up for trips, gifts, annual fees and other dated expenses.
Know where you stand.
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