Personal finance guides
Short, practical articles on tracking expenses, monthly budgets, saving and managing money.
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How to choose an expense tracker app: 8 criteria (privacy first)
Notebook, spreadsheet, banking app or a dedicated expense tracker? The trade-offs, and eight criteria to check before you trust an app with your income, rent and debts.
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The 50/30/20 budget rule, with a real example in CHF and EUR
The simplest way to budget: 50% needs, 30% wants, 20% savings. A worked example for a Swiss and a German salary, five steps to put it into practice and how to set it up in a budgeting app.
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Why your expense tracker should work offline and without an account
Your spending history is the most revealing data you own. What cloud budgeting apps do with it, what "stored on your device" really means, and answers to the three usual worries about offline apps.
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How to track expenses every day without giving up (the 10-second habit)
Most people stop tracking their spending after two weeks. Six behavioural tricks that turn expense tracking into a ten-second habit, and the app settings that make it easy.
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The Persian (Jalali) calendar explained: month names in Iran and Afghanistan
Where the Solar Hijri (Jalali) calendar comes from, why it is more accurate than the Gregorian calendar, and a full table of the months in Iran (Farvardin to Esfand) and Afghanistan (Hamal to Hut) with Gregorian dates.
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Backup file password in RizKharj: how backup encryption works
Guide to the RizKharj backup password; what gets locked, how to switch it on or off, and why a file created with a password always keeps that password.