Articles
The questions behind your numbers
Token Circles asks for a year of statements, flags a month in the red and counts your cushion in days. Each article takes one question the app raises, gives the general rule behind it, and shows how the app counts it.
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Getting a year out of your bank
How do I download a year of statements from my bank?
Which file to ask each bank for, where to find it, and why Token Circles wants twelve months before it trusts an average.
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Why one month lies
Why is one month a bad guide to what I spend?
Household spending moves by nearly 30 percent from one month to the next. Why Token Circles averages up to twelve months, and waits for three before it averages at all.
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Your first cushion
How big should my first safety cushion be?
Start with one month of what you need every month. What the research says about small cushions, and how Token Circles counts yours in days.