- 24 June 20264 min read
Payday isn't the same day every month — and your budget knows it
"Paid monthly" sounds tidy. The reality is anything but. Between bank holidays, last-working-day rules and the way calendars unevenly split into 4-week and 5-week months, the gap between two paydays…
Read more - 24 June 20263 min read
The quiet £786 — finding the subscriptions you forgot you were paying for
A UK survey by Aqua Card in 2025 put the average British adult on 2.8 paid subscriptions at a combined £65.50 a month — about £786 a year. Some of those are getting used every day. Some haven't been…
Read more - 24 June 20263 min read
What April's UK minimum wage rise means in your monthly numbers
On 1 April 2026 the UK's minimum wage rates went up. The headline National Living Wage — the rate for workers aged 21 and over — moved from £12.21/hr to £12.71/hr. That's a 50p/hour rise, or 4.1%.…
Read more - 24 June 20265 min read
How to track recurring bills in 2026 — the manual-vs-app comparison
Picture this. It's the 28th of the month, payday is three days away, and you've just realised your annual TV licence direct debit went out yesterday. £169.50 you didn't see coming, because you set…
Read more - 24 June 20265 min read
Why I built Forge Ledger
Forge Ledger started in a way that probably won't surprise you: as a spreadsheet. My parents had just retired, and they wanted to keep their money in the higher-interest accounts and pension pots…
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