Money & habit systems: the guide library

● Updated August 2026 | sources cited inline

Practical, evidence-led walkthroughs. Every guide gives the direct answer first, then the steps, and cites the primary research behind any claim.

Spend control

A free, manual checklist to find and kill zombie subscriptions from your own statements.

Behaviour

Friction techniques from behavioural science that interrupt an impulse buy before it happens.

Budgeting

50/30/20 vs zero-based vs plan-vs-actual, and which fits your temperament.

Habits

What the 66-day research actually says about making a new habit automatic.

Explainer

The give-every-dollar-a-job method, with a worked example.

Safety

How read-only aggregators work and your right to revoke access under CFPB rules.