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Written for the person who checks their balance

Plain writing about cashflow, forecasting and the money patterns worth knowing about. No newsletter popup.
ForecastingJune 24, 2026 · 6 minute read

The overdraft you could have seen coming

An overdraft fee is a surprise tax on a bad week. Most of the time the bad week was visible days earlier. Here is the arithmetic your bank had and did not show you.

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Written by

Dahlia Moreno

Co-founder and CEO

SubscriptionsMay 12, 2026

Why your subscriptions cost more than you think

It is not the number of subscriptions. It is that they quietly go up, one dollar at a time, on a schedule you never see all at once. A plain look at subscription creep.

Grace Whitfield · 7 minute read

How it worksApril 2, 2026

How to read a forecast, and its confidence band

A single line pretending to know the future is worse than useless. The band around the line is the honest part. Here is what it means and how to use it.

Arjun Varma · 6 minute read