HiddenMoney and small business guides
Practical guides on debt, rental income and freelance tax set-aside. Rules differ by country, so each guide points to where to check yours.
Guides
Debt snowball vs avalanche: which payoff order fits you
Two ways to order your debt payments, a worked example with the numbers, and how to choose the one you will actually finish.
4 min readLandlord spreadsheet or property software: how to choose
What a small landlord needs to record, where a spreadsheet is enough, and where property software earns its subscription.
4 min readFreelance invoices and tax set-aside: a simple monthly system
How to invoice so you get paid on time, and a plain method for putting tax money aside from every payment.
4 min readTrack bills and subscriptions: a 12-month due-date calendar
How to list every bill and subscription, see which months are heavy, work out yearly cost, review what you rarely use, and avoid missing a due date.
6 min readA 12-month budget, snowball vs avalanche debt payoff, savings goals and net worth in one workbook
The Personal Budget & Debt Payoff Planner compares snowball and avalanche for up to 10 debts and shows the payoff month, total interest and debt-free date. Excel file, €14 once; it also works in Google Sheets and LibreOffice.