The 50/30/20 budget, stress-tested
The most popular budgeting rule is a great start and a poor finish. We ran it against three real household budgets to see where it bends.
Priya Nair2 min read
Priya Nair
Editor-in-chief
Priya spent eight years in retail banking product teams before starting Ledgerline. She writes about budgeting, banking and the fine print.
Articles by Priya
Emergency funds: how much is enough?
Three months? Six? It depends on how stable your income is and how quickly your costs could fall. A simple way to find your number.
Priya Nair2 min read
How open banking APIs actually work
When an app asks to "connect your bank", what happens behind the scenes? Consent, tokens and what the app can and cannot see.
Priya Nair2 min read
The annual subscription audit
A 30-minute ritual that saved our readers an average of 23 a month. The checklist, and how to stop new subscriptions creeping back.
Priya Nair1 min read
Credit scores: what really moves the number
Payment history, utilisation and time. The handful of factors that matter, the myths that don’t, and how long changes take.
Priya Nair & Marcus Bell2 min read
