Bull Holder Blog
The Ledger.
Personal finance, in plain words, from the Bull Holder team.
Goals beat percentages
Save 20% of your income sounds like a plan. It has no name and no finish line, so it is the first promise you break. A named goal with a number ends it.
The Sunday receipt pile
Typing every receipt into an app the night you buy something never survives a real week. Snapping a photo and clearing the pile once does.
Why your budget fails in month three
Most budgets survive January and die in March. The problem is not discipline, it is a number that was never real.