MoneyFlowGuides
Understand and manage your money
Practical guides, in plain language, to see where your money really goes — and take back control.
How to track your expenses: notebook, spreadsheet or app?
Three methods compared, and how to pick the one you will actually keep using.
Read the guide →How to make a monthly budget, even if it's your first
Five steps to a budget that holds, starting from what you actually spend.
Read the guide →Bank statement as CSV: how to download it and use it
Where to find the transaction file on your bank's site, how to open it and how to use it.
Read the guide →Fixed vs variable expenses: the difference, with examples
How to tell them apart, and why it is the first step in managing household money.
Read the guide →Where does my money go every month?
The four-step method to find out where spending goes and stop the invisible leaks.
Read the guide →Track expenses without connecting your bank account
How to keep spending under control without giving anyone access to your account.
Read the guide →Put what you read into practice
MoneyFlow shows you where your money really goes, without connecting your bank. Free, no card.
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