Slow notes.

What is your car really worth (and your house)? Putting a price on your assets

In your position fix, what counts is what an asset is worth today, not what you paid for it. Understanding depreciation is what separates a true net worth from an inflated one.

02 October 2026

Debit and Credit without fear: double-entry explained with a piggy bank

Debit and Credit don't mean right and wrong. They're just the two sides of every movement: where the money comes from, where it goes. Let me explain with a piggy bank.

25 September 2026

Sailing upwind: what to do when the unexpected arrives

A big expense, an income drop, the market down. At sea you don't just endure a headwind: you tack. Your position fix and months of coverage turn the unexpected from panic into a maneuver.

18 September 2026

Privacy

The shame of being seen failing: why privacy is also psychology

People who come to a finance app don't just fear getting the numbers wrong. They fear being seen getting them wrong. Radical privacy lifts that weight too.

11 September 2026

13 min

From the book to the app: what changed from Strategie per la Finanza Personale to Cashfulness

Years ago I wrote a book on keeping household accounts with double-entry bookkeeping. Then I built Cashfulness. What stayed identical, and what a book cannot give you.

04 September 2026

Apps that make you feel rich while making you poorer

The 'simple' apps that round away and hide small expenses give you a fake calm. You feel fine while reality is different. Here's the only way not to be lied to.

28 August 2026

Liquid, but where? How to place your months of coverage without letting them sleep

You've decided how many months of coverage to hold. The practical question remains: where? Liquid doesn't mean money that sleeps. A calm map, by level of accessibility.

21 August 2026

Three beach-umbrella books to think about money without stress

Three beach reads to shift your view of money without stress. Not manuals: an Indian story, a cabin by the lake, and an American who explains why behavior matters more than accounts.

14 August 2026

Time, not wealth: what you really buy with independence

Economic independence isn't measured in money set aside, but in time handed back to you. What you really buy — and why accumulating for its own sake doesn't buy it.

07 August 2026

Foundation

The three things Cashfulness will never do

An app is defined also by what it refuses to do. The three things Cashfulness will never do — and why each one is an ethical choice, not a technical limit.

31 July 2026

FOMO and urgency: why the 'unmissable' deals can almost always be missed

Urgency is almost always a weapon of whoever's selling, not a fact about the thing being sold. Why unmissable deals can be missed, and how to decide calmly instead of in a hurry.

24 July 2026

Privacy

End-to-end encryption, explained for non-technical people

What it really means that "we don't see your documents." No jargon: a safe deposit box only you hold the key to, and why we chose it that way.

17 July 2026

The skipper and the castaway: who you are when you step aboard

Cashfulness is the skipper; you're the one climbing aboard after already being shipwrecked on Excel, Kakebo, shallow apps. You don't have to become a navigator: you can finally sleep.

10 July 2026

The four coordinates of your fix: your financial health in sixty seconds

Your fix isn't a single number: it's four. Net worth, the mix between what produces and what costs, months of coverage, the gap between perceived and real. Read together, they tell you where you are.

03 July 2026

Teaching children about money: the family ritual that's worth more than a course

Everyone asks for financial education in schools. Meanwhile your children learn by watching you. Three things that actually work at home — without giving a lesson.

26 June 2026

Reconciling at month's end: the ten minutes that tell you whether the numbers are really yours

Double-entry isn't just for recording — it's for verifying. Once a month you compare Cashfulness against your real account statements. If the numbers match, you have a true net worth.

19 June 2026

Why we don't turn your money into a game

The most popular apps have turned finance into a game of points, prizes and streaks you mustn't break. Cashfulness chose the opposite. Here's why, and what we put in its place.

12 June 2026

A boat at anchor: why independence isn't being rich

Rich and free are two different things. Economic independence is the autonomy to choose — to say no, to wait, to take your time — and it takes far less than you think to have it.

05 June 2026

What you think you have, and what you really have

Almost everyone, asked to estimate their net worth from memory, gets it wrong — and almost always too high. The gap between that imagined number and the real one is the most underrated thing in personal finance.

01 June 2026

Three months of coverage: how much liquidity to keep on hand

The third fix metric: how many months of life you can pay for if your income stops tomorrow. It isn't wealth — it's peace of mind, and no other number replaces it.

29 May 2026

5 books to read before (or alongside) Cashfulness

No product is born from nothing. Five books about money — one of them is mine, I'll say so up front — that give Cashfulness its cultural frame. A reasoned bibliography, not a ranking.

22 May 2026

Your fix: the coordinate that decides everything

In personal finance, knowing where you are today matters more than knowing what you spent yesterday. A sailor's fix applied to your net worth — the coordinate that orients every decision.

15 May 2026

What Cashfulness Owes to Kiyosaki, and What It Doesn't Want to Become

I read Rich Dad Poor Dad by Robert Kiyosaki in the early 2000s, when it was already a famous book but not yet the global phenomenon it later became.

Privacy

Radical Privacy: Two Layers, One Promise

Most of the free apps on your phone aren't free.

16 min

Why Double-Entry Bookkeeping Isn't Just for Accountants

In 1494, in Venice, a Franciscan friar named Luca Pacioli published a book whose title was — and it's worth giving the whole thing — Summa de Arithmetica, Geometria, Proportioni et P…

Assets+ vs Assets-: The Distinction That Changes Everything

A conversation I've heard dozens of times, always the same, in different contexts: "I bought a house, it's an investment."

Is Calm a Metric? How to Measure Financial Health

An apparently absurd question: can calm be measured?

Foundation

Why We Built Cashfulness

The first epiphany came in 2010.

13 min

Personal Finance

Complete Guide to Family Budgeting 2024: How to Manage Household Finances

Discover how to create and maintain an effective family budget. Practical strategies to control income and expenses, save money, and reach your financial goals.

2 min

Investments

Saving and Investment Strategies for Financial Freedom

Discover the best strategies to save and invest your money. A practical guide to building wealth and achieving financial independence.