Blog and education
Guides and perspectives on household budgets, privacy, and intentional money management.
2026-07-2611 min read
Discover why keeping cash in bank deposits fails to protect your capital against inflation. Learn how to calculate your real rate of return after accounting for the Belka tax.
Read article2026-07-254 min read
When inflation bites and rates stay high longer, cash in the bank feels safe - and often quietly loses purchasing power. How to calculate real return and build a simple barbell allocation.
Read article2026-07-152 min read
You want to know where money goes - without your transaction history becoming a product. How YMH combines categories, receipts, and “safe to spend today” with privacy-first PSD2.
Read article2026-07-082 min read
Debt, payday loans, and collection pressure don’t mean you “failed”. See how a obligations map in YMH turns helplessness into a concrete weekly plan.
Read article2026-07-012 min read
Excel + a mobile tracker + a statement importer + three banks isn’t a system - it’s compromises. What one budgeting app should actually include, and how YMH puts it together.
Read article2026-06-242 min read
Uneasy about connecting your bank to a finance app? YMH works like a better spreadsheet: trust and control first, optional PSD2 automation later.
Read article2026-06-173 min read
The latte factor is the sum of small spends, not a moral verdict on coffee. Learn how a “fun money” envelope in YMH creates agency instead of endless austerity.
Read article2026-06-103 min read
People don’t want another expense log. They want a plan: web + mobile, envelopes, export, and a fair price. Here’s how Your Money Handled meets those needs.
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