Emergency Cash Buffer: Size and Liquidity Basics
Common ways people talk about a cash buffer for unplanned costs—size ranges and accessibility as information, not as a personal recommendation.
Blog
Stay updated with the latest features, budget tips, and product news from MonKey.
Financial Habits That Help You Get Through Hard Times
A difficult period rarely starts with a single event. More often, it is a chain: income falls or disappears, an unexpected bill arrives, and required payments stay the same. In that moment, what matters is not a brilliant financial plan, but how a person handled money in ordinary months.
Stress-Free Budgeting: How to Plan Your Money for the Month
A budget is often seen as a list of restrictions: not this, too expensive, you should feel bad about spending on that. That is why many people never start budgeting at all. It feels as if a budget will take away spontaneity, force you to count every small purchase, and turn normal life into a financial regime.
A Simple Expense Tracking System You Can Maintain in 10 Minutes a Day
Expense tracking is often imagined as home bookkeeping: spreadsheets with ten tabs, dozens of categories, complex formulas, and reconciliation down to the last cent. For some people, that kind of detail really does create discipline. For most, it quickly becomes another obligation they would rather postpone.
How to Understand Where Your Money Goes: Expense Analysis
Many people assume their main financial problem is simply that their income is too low. Sometimes that is true. But very often the problem starts earlier: the person does not actually understand where their paycheck is going. Money comes in, then somehow dissolves, and by the end of the month all that remains is the feeling that "I did not even buy anything special."
MonKey MVP v1: you can already get your money under control, and yes, via Telegram too
We are releasing the first MVP version of MonKey. This is the stage where the app is already genuinely usable, while the developer is still looking at it with the expression of someone thinking, "well, technically I wanted to quietly rework a few more things first, but fine, here we are." Still, this is a good moment: the foundation is there, the product is already useful, and some parts even feel a little bit like magic.
A Safe Personal Finance App Is Not One That Knows Everything About You
When people talk about the security of financial apps, the conversation almost always drifts toward encryption, tokens, certificates, and loud promises along the lines of "your data is safely protected." All of that matters. But if we speak honestly, not from the position of a marketing brochure but from common sense, the main question sounds different: what exactly will an attacker get if something goes wrong?
Why Tracking Personal Finances Matters Especially in Unstable Times
In calm periods, tracking money often feels optional to many people. Useful, but not necessary. In unstable times, that attitude changes. When prices rise, income becomes less predictable, the labor market gets nervous, and exchange rates jump around, tracking personal finances stops being a "hobby for orderly people" and becomes a navigation system. Not to become rich. To avoid losing control.