Cents Matter

Personal finance experiences and insights

Recent Articles

simple and manual Excel bookkeeping setup, featuring basic expense tracking columns used to build a consistent financial habit

Keeping It Real: The 'Boring' Habit That Actually Works

Learn why manual expense tracking is the secret to financial health. My personal story of using Excel to survive the first year of money management.

15 February 202616 min read

practicing personal bookkeeping with an old computer and excel spreadsheet, representing the start of a 20-year financial health journey

Finance

My $0 Beginning: The Simple Habit That Changed My Life

Discover how a simple habit of self-bookkeeping started 20 years ago transformed my personal finance journey from chaos to clarity. No financial advice, just real experience.

31 January 202626 min read