Learning centre
Guides for tracking, budgeting and planning money
Clear, practical articles for people who want to track spending, build a monthly budget, review subscriptions and organise receipts.
Spendika guide
How to Track Your Monthly Expenses
Build a clear monthly spending record by capturing expenses as they happen, reviewing categories weekly and comparing the result with your budget.
Spendika guide
Monthly Expense Categories: A Practical List
Use practical categories such as housing, food, transport, debt, subscriptions, savings and irregular costs to make expense tracking easier.
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How to Create a Monthly Budget
Start with income, subtract fixed bills, set category limits and keep a small buffer for real life.
Spendika guide
How to Budget with Irregular Income
Use a baseline month, separate tax or annual costs, and plan from your lowest reliable income rather than your best month.
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How to Track Your Subscriptions
List every recurring payment, convert each one to a monthly cost and review whether it still earns its place.
Spendika guide
How to Find Unwanted Subscriptions
Search card statements, app stores and email receipts, then cancel services you no longer use.
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The 50/30/20 Budget Explained
The 50/30/20 split is a simple starting point: needs, wants and savings, adjusted to fit your real bills.
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How to Build an Emergency Fund
Estimate essential monthly costs, choose a realistic cover period and build the fund with a monthly saving target.
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How to Scan and Organise Receipts
Scan receipts soon after purchase, check OCR results and connect each receipt to the correct expense category.
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Weekly Versus Monthly Budgeting
Weekly reviews help day-to-day control, while monthly budgets show whether the full plan is working.
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How Much Can I Safely Spend Today?
Estimate safe spending from income minus fixed commitments, confirmed expenses and planned savings.
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The Best Way to Track Cash Expenses
Record cash spending immediately, use a weekly cash category and reconcile notes before they are forgotten.