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    <title>Money Koi blog</title>
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    <description>Practical, calm guides on budgeting, receipts, fixed costs and shared finances — from the maker of Money Koi.</description>
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    <lastBuildDate>Sun, 18 Oct 2026 00:00:00 GMT</lastBuildDate>
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      <title>Scan Receipts Without a Cloud Reading Along: How a Private Receipt Scanner Works</title>
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      <pubDate>Sun, 18 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Receipt Scanner</category>
      <category>Privacy</category>
      <category>Austria</category>
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      <title>Managing Money as a Couple: 3 Models That Work in Everyday Life</title>
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      <pubDate>Sun, 11 Oct 2026 00:00:00 GMT</pubDate>
      <description>Everything shared, everything separate, or something in between? Three proven ways for couples to handle money, and how to split costs fairly without arguing.</description>
      <category>Couples</category>
      <category>Family</category>
      <category>Household</category>
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      <title>The Fixed Costs Check: How to Find Forgotten Subscriptions and Contracts</title>
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      <pubDate>Sun, 04 Oct 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Fixed costs</category>
      <category>Subscriptions</category>
      <category>Saving</category>
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      <title>What Does the Weekly Shop Really Cost? Here's How to Find Out</title>
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      <pubDate>Sun, 27 Sep 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Groceries</category>
      <category>Shopping</category>
      <category>Saving</category>
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      <title>Budgeting by Category: How Much Is Still Safe to Spend This Month?</title>
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      <pubDate>Sun, 20 Sep 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Budgeting</category>
      <category>Budget Book</category>
      <category>Everyday Money</category>
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      <title>The Whole Net Worth in View: Accounts, Gold, Crypto and Property</title>
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      <pubDate>Sun, 13 Sep 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Net Worth</category>
      <category>Investments</category>
      <category>Overview</category>
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      <title>Savings Goals That Actually Get Reached: Specific, Automatic, Visible</title>
      <link>https://www.moneykoi.com/en/blog/savings-goals-that-work</link>
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      <pubDate>Sun, 06 Sep 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Saving</category>
      <category>Savings Goals</category>
      <category>Habits</category>
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      <title>Money Lent, Money Borrowed: Keep Track Without the Awkwardness</title>
      <link>https://www.moneykoi.com/en/blog/track-money-lent-to-friends</link>
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      <pubDate>Sun, 30 Aug 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Debt</category>
      <category>Personal Loans</category>
      <category>Overview</category>
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      <title>The Year-End Money Review: One Calm Hour Between Christmas and New Year</title>
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      <pubDate>Sun, 23 Aug 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Year in Review</category>
      <category>Overview</category>
      <category>Habits</category>
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      <title>Planning a Christmas Budget: A Calm December Without the January Shock</title>
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      <pubDate>Sun, 16 Aug 2026 00:00:00 GMT</pubDate>
      <description>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.</description>
      <category>Budgeting</category>
      <category>Christmas</category>
      <category>Saving</category>
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