Blog
Guides on tracking expenses, budgeting together, and choosing the right tools - written by the team building Peggy.
How to Categorize Expenses Faster: Cut the Decisions, Not the Taps
Categorizing is slow because it is a decision, not data entry - which is why redesigning the picker never helps. A three-tier system that removes decisions instead: rules set once, categories that arrive with the expense, and a deliberately deferred bucket.
August 26, 2026
The Financial Security Gut Check: 4 Numbers That Beat a Feeling
Three in four Americans feel in control of their money; one in three could not cover a $1,000 bill. Why the gut check misreads resilience, and the four figures - the $1,000 test, your fixed-cost floor, your runway in months, and what credit is really covering - that answer it properly.
August 21, 2026
Automatic Expense Tracker Without Bank Sync (2026)
Every other automatic tracker wants your bank login. This one takes the expense from the payment itself: how tap-to-pay purchases become categorized transactions on iPhone and Android, and the spending it honestly cannot see.
August 21, 2026
The Expense Tracker Guide That Survives Week Three
Most expense tracking stops in week three, and the cause is entry friction rather than willpower. Capture methods ranked by seconds, a seven-category starter set, and one rule each for cash, income and shared spending.
August 20, 2026
How to Budget as a Couple: A System That Actually Sticks
How to split shared expenses fairly, separate joint money from personal money, and run a monthly check-in that plans the future instead of auditing the past.
August 19, 2026
OpenAI ChatGPT Personal Finance Feature: Is It Safe?
What connecting your bank to a general-purpose AI assistant actually exposes, and how that compares with a dedicated budgeting app that never sees your credentials.
May 16, 2026
Money Planner: Monthly Budget & Spending Guide
A month-by-month planning method: map your fixed base, size the flexible categories, and build the buffer that stops irregular costs from breaking the plan.
May 7, 2026
7 Best Budget Apps for Couples in 2026, Compared
A shortlist of the apps built for two people sharing money, with what each gets right on shared visibility, splitting and privacy, and where each falls down.
May 4, 2026
Shared Budget App for Couples, Families & Roommates
What separates a genuinely shared budget from a single account two people log into, and how to pick one for a household with more than two contributors.
May 4, 2026
AI Budget Apps 2026: Voice, Chat and Categorization Compared
Where AI earns its place in a budgeting app and where it is decoration: automatic categorisation, natural-language capture, and chat-based insights held up against each other.
April 21, 2026
Voice Budget Apps 2026: Track Expenses by Speaking
Why speaking an expense beats tapping one, what a voice tracker needs to do behind the microphone to be usable, and how the current options compare.
April 21, 2026
Budget App for Couples: Shared Wallets & Expenses
The "yours, mine and ours" structure in practice, and what to look for in an app that has to keep both partners informed without making either feel audited.
April 21, 2026