Writing about tracking money, sharing it with other people, and living across currencies.https://skarb-budget.com/blogenhttps://skarb-budget.com/blog/choosing-a-budget-periodhttps://skarb-budget.com/blog/choosing-a-budget-periodPaid on the 25th? A budget that resets on the 1st shows money as left that is already spent. Here is the sum, and which period fits which kind of pay.Sat, 24 Oct 2026 00:00:00 GMTBudget mechanics, plainly explainedhttps://skarb-budget.com/blog/why-skarb-is-freehttps://skarb-budget.com/blog/why-skarb-is-freeNo paid tier, no ads, no tips, and no data sold. Here is who pays for Skarb, and the one limit you are likely to meet: 500 MB for attachments.Fri, 23 Oct 2026 00:00:00 GMTBehind the apphttps://skarb-budget.com/blog/share-a-budget-without-fightinghttps://skarb-budget.com/blog/share-a-budget-without-fightingMost money arguments are not about money. They are about not knowing what the other person did. Here is how to share a budget without the surprises.Thu, 22 Oct 2026 00:00:00 GMTMoney with other peoplehttps://skarb-budget.com/blog/which-exchange-rate-applieshttps://skarb-budget.com/blog/which-exchange-rate-appliesYour bank's figure, the mid-market rate and the app's number are all different, and all of them are correct. See where each comes from, and which to keep.Thu, 22 Oct 2026 00:00:00 GMTMoney across currencieshttps://skarb-budget.com/blog/why-you-stopped-using-your-budgeting-apphttps://skarb-budget.com/blog/why-you-stopped-using-your-budgeting-appIt was not discipline. It was that every coffee cost you 40 seconds of typing. Here are three changes that make it stick, without more willpower.Thu, 22 Oct 2026 00:00:00 GMTTracking that surviveshttps://skarb-budget.com/blog/catching-up-after-missed-trackinghttps://skarb-budget.com/blog/catching-up-after-missed-trackingCatch up on 2 missed weeks in one sitting: the large payments exactly, the small ones as one line a week per category, and one check against your bank.Wed, 21 Oct 2026 00:00:00 GMTTracking that surviveshttps://skarb-budget.com/blog/planning-for-annual-expenseshttps://skarb-budget.com/blog/planning-for-annual-expensesTurn 840 a year of insurance, car tax, and servicing into 70 a month, and see the gap in the first year that the simple sum leaves out.Mon, 19 Oct 2026 00:00:00 GMTBudget mechanics, plainly explainedhttps://skarb-budget.com/blog/earning-in-one-currency-living-in-anotherhttps://skarb-budget.com/blog/earning-in-one-currency-living-in-anotherPaid in dollars and spending in hryvnias, or any other pair? See how to budget when your pay moves with the rate, and what a cautious rate buys you.Sat, 17 Oct 2026 00:00:00 GMTMoney across currencieshttps://skarb-budget.com/blog/envelope-zero-based-and-50-30-20https://skarb-budget.com/blog/envelope-zero-based-and-50-30-20See what envelope, zero-based, and 50/30/20 budgeting each ask you to decide, run on the same 2,800 a month, and where each one breaks.Thu, 15 Oct 2026 00:00:00 GMTBudget mechanics, plainly explainedhttps://skarb-budget.com/blog/expense-categories-that-are-usefulhttps://skarb-budget.com/blog/expense-categories-that-are-usefulHere is a worked set of 10 expense categories, the 2 tests each one has to pass, and why a list of more than about 15 stops telling you anything.Tue, 13 Oct 2026 00:00:00 GMTTracking that surviveshttps://skarb-budget.com/blog/what-to-share-when-you-move-in-togetherhttps://skarb-budget.com/blog/what-to-share-when-you-move-in-togetherRent, bills, and groceries are the easy part. See what else to settle before the first bill, from the deposit to the account the bills leave from.Fri, 09 Oct 2026 00:00:00 GMTMoney with other peoplehttps://skarb-budget.com/blog/splitting-expenses-when-incomes-differhttps://skarb-budget.com/blog/splitting-expenses-when-incomes-differOn 3,200 and 1,800 a month, see what halves, a split by income, and a split that leaves you the same amount cost each of you, and how to settle up.Wed, 07 Oct 2026 00:00:00 GMTMoney with other people