Insights & Guides

Fokus Blog

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

Development

When to Pivot: A Founder’s Playbook After Early Signals

Founders often face a fork after MVP: pivot or persevere. This guide outlines a practical, data-informed playbook to interpret signals, run focused experiments, and decide quickly—so you can re-align with real value and maintain momentum.

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Budgeting

Smart Ways to Negotiate Bills and Save Monthly Effectively

Bills accumulate quietly as subscriptions, utilities, and services renew. This guide offers practical negotiation tactics, routine audits, and budgeting habits to trim recurring costs and boost monthly savings. Learn to audit, negotiate, and track progress with confidence.

personal-financebudgetingbill-negotiation
Health

What to Do When Cravings Hit After Quitting Nicotine

Cravings after quitting nicotine are common, but they don’t have to derail your progress. This guide offers practical, in-the-m moment strategies, trigger mapping, and long-term habits to help you ride out urges and stay on track toward a nicotine-free life.

quit-smokingnicotine-cravingsbehavioral-health
Budgeting

How to Build a Foolproof Monthly Budget That Works

Learn a practical, repeatable system to build a monthly budget that actually sticks. From tracking expenses to prioritizing goals and preparing for irregular costs, this guide offers real, doable steps you can implement today.

budgetingpersonal-financemoney-management
Budgeting

Stop Budget Leaks: A 4-Week Family Budget Audit Plan

A practical, four-week plan to root out budget leaks in a family budget. Track every expense, renegotiate recurring costs, optimize variable spending, and build sustainable habits—so you can save more without sacrificing what matters.

personal-financefamily-budgetmoney-management
Health

Micro-Habits to Crush Nicotine Urges: A Practical Guide

Cravings don’t have to derail your day. This practical guide shares tiny, repeatable actions—micro-habits—that interrupt urges, replace smoking or vaping rituals, and build a sustainable quit-or-reduce plan. Learn how to stack routines, delay, breathe, and move your way toward lasting change.

smoking cessationvaping helphabit formation
Development

How to Validate Your MVP With Real Users on a Budget

Learn practical, budget-friendly methods to validate your MVP with real users. This guide covers focused hypotheses, lightweight artifacts, low-cost user testing, and actionable decision-making to minimize risk before you scale.

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