Blog
Notes on money, calmly written.
Practical guides on budgeting, receipts and shared finances — from the person building Money Koi.
18 October 2026
6 min read
Scan Receipts Without a Cloud Reading Along: How a Private Receipt Scanner Works
Most receipt scanners send the photo to the cloud. Why that's risky for shopping receipts, and how a scan can run entirely on the phone, RKSV QR code included.
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11 October 2026
Managing Money as a Couple: 3 Models That Work in Everyday Life
Everything shared, everything separate, or something in between? Three proven ways for couples to handle money, and how to split costs fairly without arguing.
4 October 2026
The Fixed Costs Check: How to Find Forgotten Subscriptions and Contracts
Streaming, gym, phone plan, insurance: fixed costs creep in. This five-step fixed costs check finds what is no longer needed and cuts it for good.
27 September 2026
What Does the Weekly Shop Really Cost? Here's How to Find Out
Groceries are the biggest variable expense for many households. How to find out where the supermarket money really goes, and how to save without eating worse.
20 September 2026
Budgeting by Category: How Much Is Still Safe to Spend This Month?
Category budgets answer the everyday question: how much is left? Set realistic limits from real numbers, start the budget month on payday and handle overspending calmly.
13 September 2026
The Whole Net Worth in View: Accounts, Gold, Crypto and Property
Bank accounts, gold, silver, crypto, a car or a flat: how to work out net worth, what XIRR returns mean and how to keep an allocation calmly on track.
6 September 2026
Savings Goals That Actually Get Reached: Specific, Automatic, Visible
Saving rarely fails for lack of willpower. It fails on vague goals. Set specific savings goals, save automatically, round up and keep going when life gets busy.
30 August 2026
Money Lent, Money Borrowed: Keep Track Without the Awkwardness
Lending money to friends, family or a flatmate? How to note who owes what, agree a simple repayment plan, track partial payments and talk about it kindly.
23 August 2026
The Year-End Money Review: One Calm Hour Between Christmas and New Year
Where did the money go, what was a surprise, which goals were reached? How to do a calm year-end money review in one hour, without self-criticism.
16 August 2026
Planning a Christmas Budget: A Calm December Without the January Shock
Gifts, mulled wine, travel, the big dinner: December adds up fast. How to plan a calm Christmas budget and start the new year without a nasty surprise.