The premise of this blog is that personal-finance fundamentals ain't rocket science. Ultimately, personal-finance rests on a simple idea - spending must match income. Or that spending must not exceed income.

The beauty of this principle is that it allows one to make calculations starting at either end of the equation. One can look at income and identify how much there’s available for spending. And it works just as well in reverse: estimate likely spending, and hey presto, one has identified the income required to meet said spending. Not rocket science as I've mentioned.