Short, plain guides to the questions people ask before they set a budget, and the tools to try the answers.
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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Set a budget and an income goal in Wealtie, log what happens, and get a warning mid-month while there's still time to act on it.
