Blog

One account for everything makes €6,000 of client payments look like €6,000 to spend. A three-account setup, worked through for one month, and how to start.

4 min read

A €2,500 client payment isn't €2,500 to spend. Split every payment by a fixed rule (30% tax, 20% business, 50% pay) and pay yourself the same each month.

5 min read

Seven charging apps, €97 of credit, none of it on your bank statement. How to see it, cut it down to two apps, and record top-ups so a trip isn't counted twice.

4 min read

Why Volora keeps wallets, budgets and projects apart: each answers one question. One payday traced through all three, from €2,400 in to groceries.

4 min read

New here? Pick the one situation that sounds like you and get one article, one free calculator and one small step you can take today. No sign-up needed.

4 min read

A three-step method for financial goals that stick: write a SMART goal, list the strengths and weaknesses that help or hold you back, and find a mentor.

6 min read

Waiting a year for the 'right' amount can leave €1,008 of employer money unclaimed. Start at 1.5–3%, automate it, step it up at each raise.

4 min read

Volora keeps your budget with you, with no bank connection: wallets, monthly budgets with alerts, 13 project templates and a shared space for two.

6 min read

When childcare and the commute push essentials to 75% of take-home pay, 50/30/20 can't work. A worked €2,800 example: what to cut first and what to protect.

5 min read

A cash buffer pays the bills that land before payday, so you stop borrowing from next month. Example: a €1,020 starter buffer in 6 months on €150 a month.

5 min read

Money habits that last are small and tied to a fixed moment: 5 minutes on payday, 5 a week, 15 a month. About 40 minutes a month, plus one yearly hour.

4 min read

Budget left but no money? Six budget mistakes that come from mixing up plans and money, not overspending, each with one fix. Example: €150 left vs €90.

4 min read

Emergency fund, debt, goals or investing? A five-step savings order, why it works, and a worked example: from €1,000 to a full three-month fund in 7 months.

5 min read

Short before payday though the month adds up? Move due dates to just after payday and set aside what's due before the next one. Example: −€820 to +€80.

5 min read

Turn 3–6 months of bank statements into real numbers: essentials vs wants, a low, typical and high amount per category, and a monthly sum for yearly bills.

5 min read

Running short before payday is one of two problems: the month doesn't add up, or the bills land before the money. A two-number check tells you which.

5 min read

How big your emergency fund should be (1, 3 or 6 months of essentials), where to keep it and how long it takes to build. Worked example: €4,350 in 7 months.

5 min read

A monthly budget in six steps: essentials first, savings second, and what's left is your spending limit. With a worked €2,400 example and a free calculator.

5 min read

The big bills are right, so where does the money go? Usually five small guessed categories. Example: €220 a month leaking, €2,640 a year, and how to plug it.

4 min read

Interest rate vs APR (THM in Hungary, DAE in Romania): what the APR includes and leaves out, and the order to compare loan offers in. With a worked example.

7 min read

A lower rate doesn't always mean a cheaper loan. Compare a refinance offer by total cost: the term trap, fees, the break-even rate and teaser rates.

6 min read

Why early loan payments are mostly interest, what an extra €100 a month really saves, when a prepayment fee wipes out the gain, and when to save instead.

6 min read

Net worth is what you own minus what you owe. How to add it up step by step, what to count, liquid net worth, debt-to-asset ratio, and why the trend matters.

7 min read

An employee's tax leaves before pay arrives. A contractor gets it all and pays later. At a made-up 30% on €3,000 a month, that's €10,800 a year to set aside.

5 min read

A €1,000 card bill at 24%, paid at the minimum, takes 10 years and costs €1,275 in interest. What lenders check, and how to use credit safely.

5 min read

€3,000 left in a current account is still €3,000 after ten years; at 4% compound it's €4,441. How simple and compound interest work, and where to keep savings.

5 min read

Your balance isn't what you can spend. A worked example: €1,570 in the account, €240 actually free until payday, and the four-line sum to check it each week.

5 min read

Divide 72 by the yearly rate to see roughly how many years it takes to double. Using it for savings, inflation, fees and debt, and where it stops being exact.

6 min read

Gross yield, net yield and cash flow with a mortgage, worked through for flats in Bucharest and Budapest: what rent leaves after vacancies, upkeep and tax.

8 min read

€50 each a month, started now instead of in five years: €46,435 vs €29,227 by year 20 at a made-up 6%. Why small and early beats waiting.

5 min read

120 business receipts: 40 minutes if you file each one when you pay, 6 hours if you hunt for them at tax time, plus costs you can't prove. A simple routine.

5 min read

Count every working hour as billable and €26 an hour looks enough. Count only the hours clients pay for and it's €44. A costing recipe with a worked example.

5 min read

Runway, gross margin and payroll cover: three numbers that show a small business is in trouble months before the bank balance does. A worked monthly review.

5 min read

Separate accounts, a tax reserve, one month of cash on the side and a monthly review. Seven habits, and a worked example of the late invoice they're built for.

5 min read

Can you afford a hire? What do unused subscriptions cost a year? Five everyday business money decisions, each worked through with the numbers to check first.

4 min read