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Plain-English guides to budgeting, paying off debt, freelancer taxes and selling online. Every example uses real numbers.

Debt snowball vs avalanche: the same debts paid both ways

Four debts, $695 a month, two methods. Avalanche saves $164.70; snowball gets a win three months sooner.

5 min read

How much should freelancers set aside for taxes?

Self-employment tax, quarterly due dates and a simple 25% habit, with a worked example.

6 min read

Free tool: seller fee calculator

What you keep after PayPal, Payhip, Ko-fi, Gumroad, Etsy or Fiverr fees, and what to charge to hit your target.

Free tool