Monspend Blog

Practical personal-finance articles. Budgeting frameworks, freelancer money tips, and honest opinions about why privacy-first expense tracking matters.

English

Privacy · 8 min read

How to Track Expenses Without Connecting Your Bank Account

Open-banking aggregators are powerful — and risky. Here's why manual, local-first tracking is making a comeback, and how to do it without the tedium people think it involves.

Budgeting · 9 min read

The 50/30/20 Budget Rule, Explained with a 2026 Example

The most-quoted personal-finance rule on the internet, with a real 2026 cost-of-living example, an honest critique, and a way to use it without it feeling rigid.

Deutsch

Datenschutz · 8 min Lesezeit

Haushaltsbuch-App ohne Bankverbindung — geht das wirklich?

Warum PSD2-Aggregatoren nicht für jeden das Richtige sind und wie du deine Ausgaben DSGVO-freundlich auf deinem eigenen Gerät führst.

Español

Privacidad · 8 min de lectura

La mejor app de presupuesto personal con privacidad real

Qué buscar (y qué evitar) en una app de gastos: almacenamiento local, cumplimiento del RGPD, y por qué conectar el banco no siempre es buena idea.

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