Research
Notes on the bench
Five explanations, ordered by the date they were published. Filter by the lesson they belong to. Without JavaScript the full list stays visible.
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What a Household Budget Actually Lists
A budget page is a list of named movements for a period that has not finished. The note separates that list from a verdict.
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Reading a Month of Cash Movement
Follow cash through one calendar month, including the awkward gap between a bill date and a pay date.
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Needs, Wants, and the Line Between Them
The familiar split is a label people contest. The note shows the contest without awarding a side.
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Naming a Buffer Without a Goal
Slack and sinking amounts can be named. A target size cannot be supplied by this project.
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How Category Envelopes Sort Spending
Envelopes are bins. The note explains the sort, before or after the purchase, and stops there.
Order
How the line is ordered
The list runs from earlier to later in 2026. The order is editorial, not a curriculum you must finish. A filter hides rows in the browser only. Dates do not imply that a later note replaces an earlier one.