The people who build Wealtie, a money tracker and budget app that never connects to your bank.
Your debt-to-income ratio is your monthly debt payments divided by your gross monthly income, as the CFPB defines it. On 2,000 of payments and 6,000 of income, it's 33%. Lenders use it to judge whether you can take on another payment, and each sets its own limit.
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The biggest way to save money on heating is the thermostat: setting it back while you sleep or are out can cut heating and cooling costs by up to 10%, says the DOE. This winter, the EIA expects gas-heated homes to pay about $640 from November to March, 9% less than last year, and electric-heated homes $1,196.
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The best way to save money on clothes is a yearly clothing budget, split by season, plus a list of what you need before you shop. US households spent $2,010 on clothing and related services in 2025, about $168 a month, by BLS data; your own last year is the better starting number.
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To save money on your phone bill, check how much data you actually use, move to a plan that matches it, and separate the phone's price from the service once the handset is paid off. US households spent $1,390 on cell phone service in 2025, about $116 a month, by BLS data.
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US families headed by someone under 35 had a median net worth of $33,000 in 2025, rising to $504,900 at 75 and over, in the Federal Reserve's Survey of Consumer Finances. That's average net worth by age; your own is everything you own minus everything you owe.
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Wealtie budget streaks count how many periods in a row you've kept a promise to yourself. There are two: a budget streak for every period you stay within your budget, and an income goal streak for every period you reach your income goal. Both come with nine badges, and both are on the Free plan.
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To scan receipts in Wealtie, take a photo of the receipt and the scanner reads the shop, the date, the total and each line. You then save it as one expense, or split it into one expense per line, so groceries and the household items in the same shop land in different categories. Receipt scanning is part of Pro.
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Quarterly estimated taxes are what freelancers and others without enough withholding pay the IRS during the year. You generally have to pay if you expect to owe $1,000 or more. The next due date is January 15, 2027, for income earned from September to December 2026.
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When a client pays late, send a polite reminder the day after the due date, follow up on a fixed schedule, and keep your own bills paid from a buffer, not the missing invoice. In the UK, business-to-business payments are late after 30 days by default, and you can charge 8% plus Bank Rate in interest.
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Pay off debt or save? Both, in order: a small emergency fund first, then high-interest debt, then a full emergency fund. A credit card charged 22.36% on average in August 2026 while the average savings account paid 0.38%, so every spare dollar on the card earns far more than it would saved.
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To split travel costs with friends, agree the budget and the rules before anyone books, keep one shared log of who paid what, and settle up once at the end in as few payments as possible. Most trip arguments come from rules that were never agreed, not from the amounts.
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The simplest way to split groceries with roommates is to share only the basics, like milk, oil, toilet paper and cleaning products, from a small monthly kitty, and buy everything else yourself. Full sharing works for some households, but only with clear rules about who eats what.
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