Guides

How to budget with envelopes, what your data is exposed to, and how to switch tools without losing your history.

• Envelope budgeting, applied to a real budget

  How to split a monthly salary into envelopes when you have direct debits, annual bills and a bank balance that lies. A step-by-step guide, no jargon.

• What your budgeting app sees when it connects to your bank

  What a PSD2 aggregator actually receives, how long it keeps it, and why a transaction label reveals more than its amount. No scaremongering — including what the opposite choice costs.

• A YNAB alternative: what changes when you budget in euros

  Why European YNAB users start looking elsewhere, which families of alternatives exist, and how to choose. A factual, dated comparison — including what Arca cannot do.

• Moving from YNAB or Actual Budget: CSV import step by step

  How to bring your transaction history across, what you cannot bring, and the two traps that make imports fail — one of them specific to comma-decimal currencies.