Articles
Worked explanations of the calculations behind everyday money decisions — written with real figures rather than round numbers, because the arithmetic is usually where budgets go wrong.
myFinnexa exists because two questions come up constantly: where is my money actually going, and is this business making anything. The tools answer them. These articles cover the reasoning underneath — the conversions, the ratios and the handful of formulas that decide whether a budget survives the year.
Budgeting and cash flow
Weekly, monthly, yearly: putting every bill on the same scale
Multiplying a weekly cost by four deletes nearly a month of spending each year. The correct conversion, and the fortnightly trap that costs two pay packets.
7 min read Budgeting basicsThe 50/30/20 rule, and the point where it stops working
A worked look at the split, the rent level where it becomes arithmetically impossible, and the one number in it worth defending.
8 min read Cash flowSinking funds: paying for bills before they arrive
Registration, insurance and Christmas do not arrive monthly. Working out the monthly figure they really cost — usually $200 to $400.
7 min read Cash flowBudgeting when your income changes every month
Why averaging your income fails, how to budget against your floor instead, and the buffer account that turns freelance pay into a wage.
8 min readSmall business numbers
Margin vs markup: the mistake that quietly underprices your work
Adding 30% to your cost gives you a 23% margin, not 30%. The conversion table, and the formula for pricing to a margin you actually want.
7 min read Small businessHow to work out your break-even point
Fixed costs, variable costs and contribution margin, worked end to end — then used to test a price rise, a bigger studio and a wholesale order.
8 min readWhere to start
If you are setting up a budget for the first time, read putting every bill on the same scale first. Almost every budgeting mistake that follows traces back to comparing costs that were never on the same footing, and it takes ten minutes to fix.
If your budget already balances but your savings never grow, go straight to sinking funds. That gap is the usual culprit, and the number involved is larger than most people expect.
For a business, margin vs markup comes before break-even, because the break-even calculation depends on having the margin figure right. Getting the first one wrong makes the second one optimistic in a way that is hard to spot.
The tools
Everything here can be worked through on paper. If you would rather not, the budget tracker handles frequency conversion and category breakdowns for personal finances, and the business calculator tracks sales, expenses, profit and margin over time. Both run entirely in your browser, with nothing sent to a server and no account to create.