Blog

Notes on money, privacy, and building ExtMoney.

• October 13, 2026

  A Household Budget for Two: Roles Instead of a Shared Spreadsheet

  A household budget for two without a shared spreadsheet: roles with different rights, invites by email, a who-spent-what report and shared limits.

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• September 22, 2026

  Paid in Three Currencies: How to Know What You Earned This Month

  Paid in dollars, billed in euros, living in something else? One account per currency, rates as of each date, and an FX sale that is not income at all.

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• August 17, 2026

  A Budget for Everything Fails by Month Two. A Budget for Three Categories Holds.

  Category budgets fail when they start too big. How to pick your first three categories, set limits at the median, and keep them with ExtMoney's new Budgets.

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• August 10, 2026

  Budgeting Apps Track What You Spent. They Don't Tell You If You're Getting Richer.

  Mint is gone, YNAB now costs $109 a year, and millions of people have had reason to rethink how they manage their money. But searching for “another budgeting app” may miss the bigger question: is your overall financial position actually improving?

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• July 17, 2026

  Say It or Snap It — Either Way, You're Not Typing

  Voice and receipt scanning sound like gimmicks until you notice they fix the actual reason people abandon finance apps. Here's how we built both.

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• July 7, 2026

  The Week “GDPR-Compliant” Stopped Being Enough

  A late-June Supreme Court ruling put a new question mark over the EU-US Data Privacy Framework. Here’s why data residency, business model, subprocessors, and consent records matter beyond a “GDPR-compliant” label.

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