Financial Leaks

You Don't Have a Savings Problem. You Have a Leak.

7 min read|Financial LeaksBudgetingSpending Habits

Most people don't overspend. They under-track. Here's the leak framework that shows you where your money is actually going.

Joy Casfhir

Should You Save or Pay Off Debt First?

3 min read|Debt PayoffEmergency FundFinancial Leaks

The answer isn't one or the other. It's both, in a specific order. Here's the sequence that stops debt from coming back.

Joy Casfhir

Savings Problem vs Spending Leak: Which Do You Have?

2 min read|Financial LeaksSaving MoneySpending Habits

Think you have a savings problem? You might actually have a spending leak. The difference changes how you fix it.

Joy Casfhir

What Are Financial Leaks (And How Many Do You Have)?

3 min read|Financial LeaksBudgetingMoney Management

A financial leak isn't a splurge. It's a structural gap that quietly costs you money. There are 9 types. Most people have 3-5.

Joy Casfhir