Writing
Short essays on calm, honest finance software.
Every post below is grounded in actual BudgetLuma behaviour — never speculation, never hype, never features we haven’t shipped.
Real-transaction budgets beat forecasts — every time.
Why a budget measured against what actually happened is more useful than a forecast pretending to tell you what will.
Read the essayPreserve your bank’s real exchange rate — not a reference one.
How BudgetLuma stores your actual bank rate per transaction, protects it from silent overwrites, and still offers reference rates where they belong.
Read the essayStart with a wallet, not a spreadsheet.
Free to start on iOS. No credit card.