Money habits that stick.
Short, practical guides on recording cash, keeping receipts and separating home from business. Free to read, no account needed.
How to run a savings circle: ledger, written rules and late payments
The job of whoever holds the kitty: rules written before the first payment, a ledger with nothing crossed out, and reminders that don’t start a fight.
Updated 24 Sept 2026Read the guideMore guides
How to write a quote (estimate): free template and sending it from your phone
Quote vs estimate under UK and US rules, what to include, a free quote template to copy, deposits, and how to send and follow up a quote from your phone.
Updated 24 Sept 2026
How to separate personal and business finances when self-employed
What the IRS and HMRC expect, why commingling can hurt an LLC, how to pay yourself and split a phone, car or home office, and how to untangle mixed accounts.
Updated 24 Sept 2026
Habit tracker: how to track your habits (and actually stick with them)
What a habit tracker is, why it works, how to set one up on paper or in an app, which habits to track, and how not to quit after a missed day.
Updated 23 Sept 2026
How to break a bad habit: a 6-step method that works
Snacking, screens, impulse buying, smoking: understand how a habit works and replace it for good, with methods backed by psychology research.
Updated 23 Sept 2026
How to budget: a step-by-step monthly budget that actually lasts
Income, fixed costs, variable spending, savings: a practical step-by-step method to build a monthly budget, with worked examples and three methods to choose from.
Updated 23 Sept 2026
How to save money: a practical guide to finally putting money aside
Emergency fund, named goals, savings challenges and automation: a concrete method to save money every month, even on a small or irregular income.
Updated 23 Sept 2026
How to stop procrastinating: 10 methods that work, and what the research says
Why we put things off, and 10 ways to start: if–then plans, the two-minute start, Pomodoro, progress tracking and self-forgiveness, with the studies behind each.
Updated 23 Sept 2026
How to write an invoice: what to include, a sample, and mistakes to avoid
What every invoice needs, a line-by-line sample, invoice numbering, payment terms and late payment rules in the UK, plus the mistakes that delay getting paid.
Updated 23 Sept 2026
Proforma invoice: what it is, when to use it, and how it differs from a quote
What a proforma invoice is for (exports, deposits, customs), what to include, the VAT and letter-of-credit rules, and how it differs from a quote.
Updated 23 Sept 2026
Tanda, susu, chama, tontine: the global guide to savings circles (ROSCAs)
How a rotating savings circle works, its names around the world, World Bank figures, bidding circles, credit building, scams to avoid and the rules that keep it fair.
Updated 23 Sept 2026
The Eisenhower matrix: sorting tasks by urgent and important (with examples)
How to use the Eisenhower matrix to prioritise: the four quadrants explained, real examples for home, work and study, and the mistakes to avoid.
Updated 23 Sept 2026
Time management tips that actually work: a practical guide to taking back your days
Priorities, weekly planning, time blocking, the Pomodoro technique and reminders: the time management methods that actually work, and how to combine them day to day.
Updated 23 Sept 2026
How to photograph a receipt so the total is actually readable
A practical receipt-photo checklist: capture the whole document, check the total, and review the extracted fields before saving.
Updated 19 Sept 2026
Recording cash purchases: a five-minute weekly habit
Capture small cash expenses while the details are fresh, then review the week without counting transfers or drafts as spending.
Updated 19 Sept 2026
Free worksheets
Say it once. Binome360 keeps the record.
A sentence, a voice note or a receipt photo: the assistant prepares the record in the right space, you confirm. 7 days free.