Insights & Guides

Fokus Blog

Expert insights on personal finance, investing, app development, and building healthy habits.

Budgeting

Budgeting for Irregular Expenses: A Simple Family Plan

Irregular expenses can derail even the best budgets. Learn a practical sinking-fund approach for families—predict costs, fund them monthly, and reduce debt and stress from surprises. A simple plan, real-world numbers, and actionable steps to start today.

budgetingfamily-financessinking-fund
Budgeting

Build a 30-Day Family Emergency Fund: Fast Start Guide

Learn a practical, 30-day plan to start a family emergency fund with actionable steps, quick savings tactics, and realistic targets. This guide emphasizes momentum, affordability, and sustainable habits to weather unexpected costs.

personal financefamily budgetingemergency fund
Budgeting

Prioritize Debt Payments on a Tight Budget: 5 Steps

Feeling stretched thin by debt on a tight budget? This practical 5-step guide helps you inventory debts, trim expenses, choose a payoff method, negotiate favorable terms, and boost payment capacity—without sacrificing essential needs.

personal financebudgetingdebt management
Budgeting

Track Family Spending Without a Spreadsheet: Practical Tips

Feeling overwhelmed by spreadsheets but want better control of family spending? This guide offers practical, no-spreadsheet methods—from cash envelopes to weekly family check-ins—to help you stay on budget without drowning in data entry.

budgetingfamily-financespersonal-finance
Budgeting

The 5-Step Plan to Trim Monthly Household Expenses

A practical, non-salesy guide to cutting monthly household expenses through a 5-step plan: audit, budget framework, recurring costs, variable spending, and accountability. Practical tips and real-world examples to start saving this month.

personal-financebudgetingexpenses
Budgeting

Create a Realistic Family Budget That Sticks This Month

This guide helps families build a practical monthly budget that sticks. It offers actionable steps, from assessing current spending to creating sinking funds and weekly check-ins, all designed for real-life use this month.

budgetingpersonal-financefamily-finance
Budgeting

How to Build an Emergency Fund When Money Is Tight

A practical guide to building an emergency fund even when money is tight. Learn how to set achievable goals, automate savings, and use small, consistent steps to protect your finances. A simple, non-pushy approach to creating a safety net that sticks.

personal-financebudgetingsavings
PreviousPage 10 of 12Next