Alina Flores

Agree on the holding account - one tweak that kept me steady was setting the weekly transfer off a bare-bones budget from your lowest recent month not your average. Cap groceries and gas with a weekly envelope or sub-account, and keep a small sinking fund for non-monthly hits like car insurance and tires. On high-earning weeks, run the same order every time: skim taxes, fund fixed bills, top up next month, then send a slice (even 5–10%) to the emergency fund.

Put school and family on page one. Toss everything else into a single folder named Later. Turn off badges so nothing shouts. Clean screen equals fewer grabs.

Export originals, then exiftool -d "%Y/%m" "-Directory