The YourDigits blog
What's going on with your money?
Pick the one that sounds like you.
Browse by topic
Pick a topic, start anywhere
Want the full walkthrough? Browse the guides →
Payday & pay cycles
6Budget around when you're paid, not the calendar month.
- Budget, Track, Adapt: The Full Cycle in Action7 min
- How to Know Mid-Cycle If Your Budget Is Going to Break6 min
- How to Budget When You Get Paid Fortnightly (or Weekly, or Biweekly)6 min
- Why Monthly Budgeting Fails Anyone Paid Weekly or Biweekly5 min
- How to Budget Rent When You're Paid Biweekly2 min
Show all 6 ↓Show fewer ↑
Debt & emergency funds
7What to pay off, what to save, and in what order.
Where your money goes
10Spot where money quietly slips away, and what to fix first.
- What to Fix in Your Finances First (and Why the Order Matters)6 min
- How r/personalfinance's Flowchart Inspired the Leak Ladder (and What It Was Missing)10 min
- What Your Spending Reveals About the Rest of Your Life7 min
- The Leak Ladder: Do These In Order Or Waste Years10 min
- Your Spending Is a Diary (You Just Never Read It)3 min
Why budgets fail
11Why budgeting keeps not sticking, and what changes that.
- Log It While It's Fresh: Why Remembering Later Kills Your Budget6 min
- The Budget App That Doesn't Make You Re-Enter Your Bills Every Month6 min
- Why Your Budget App Keeps Miscategorizing Your Transactions7 min
- What If Your Budgeting App Told You What to Do?3 min
- The 3-Week Wall: Why You Quit Every Budgeting App3 min
Show all 11 ↓Show fewer ↑
- Why Budgeting Apps Fail (And What Should Replace Them)8 min
- I Stopped Logging Transactions for 6 Months. Here's What I Built Instead.7 min
- The Blank Budget Problem: Why You Always Quit at Setup3 min
- Zero-Based Budgeting Sounds Airtight. Here's Where It Breaks.8 min
- The 50/30/20 Rule Is a Starting Point, Not a System7 min
- Envelope Budgeting Without the Envelopes7 min
Retirement & investing
7Employer match, retirement savings, and when investing makes sense.
Inside YourDigits
13How the app works and why it's built this way.
- What 'On-Device Speech Recognition' Actually Means2 min
- Voice vs Bank Import: Two Ways to Know Where Your Money Went7 min
- Can You Track Spending With Siri on iPhone?6 min
- Switching Is Easy: Import From Any App in 10 Minutes7 min
- Your Budgeting App Is Watching You. Mine Can't.8 min
Show all 13 ↓Show fewer ↑
- Tasks, Not Tutorials: How YourDigits Tells You What to Do8 min
- How YourDigits Detects Your Financial Leaks8 min
- Your Money Has a Health Score. Here's How to Read It.8 min
- The Full System: Audit, Detect, Task, Adapt8 min
- Why I Built a Budgeting App That Tells You What to Do9 min
- How YourDigits Builds Your Budget From Your Leaks6 min
- Voice-Log Your Spending in Seconds6 min
- Budget by Voice on iPhone: How YourDigits Compares to Android Apps4 min
Latest
What's new in the app
Version 1.2.0 · Sep 11
Payday Forecast
- See your whole pay cycle as a calendar, and what your balance does across it
- Tap any day to see just that day's breakdown
- The current cycle shows Planned or Actual, your choice. Actual counts only what you have actually paid
Earlier releases ↓Hide earlier releases ↑
- 1.1.0: Bigger update this timeApr 21
- 1.0.1: Bug fixes and minor polishApr 9
- 1.0.0: YourDigits ships on the App StoreApr 2
New essays, straight to your inbox.
Occasional notes in between: essays, field notes, release notes. No schedule, no spam. Unsubscribe with one click.