Articles
Blog
Short, practical articles on UK personal budgeting and getting the most out of Excelergy Budget.
Concepts
Sinking funds explained (and why your budget keeps breaking without one)
Insurance, MOT, Christmas, that next holiday - the "annual" costs that wreck a monthly budget. The fix is older than spreadsheets: stash a little every month so the bill doesn't blindside you.
Debt
Snowball vs avalanche: which clears your debt faster?
One strategy is mathematically optimal. The other is the one most people actually finish. Here's how they differ, what they cost, and which to pick.
How-to
How to export your bank statements as CSV (UK banks)
Walkthroughs for Monzo, Starling, HSBC, Barclays, Lloyds, NatWest, Nationwide, Halifax, and First Direct. Everything you need to import a year of transactions into Excelergy Budget in 30 seconds.