https://tobsy.app/writing/ Longer pieces from Tobsy on tracking your money by hand: why it helps, and what it takes to keep it private. en https://tobsy.app/writing/the-financial-truth https://tobsy.app/writing/the-financial-truth Thu, 01 Oct 2026 03:19:56 +1000 Five chapters on tracking your money by hand: why measuring beats managing by feel, the saver and the spender, your own inflation rate against the national average, ranges instead of budgets, and the price of privacy.