When a long-term reserve should stay untouched
Triggers worth writing on the board — and the everyday expenses that do not qualify as emergencies.
Field notes
Short pieces on offline wallet habits, allocation board upkeep, and long-term reserve decisions — written for people who count cash by hand.
Practical notes from sessions in Cheung Sha Wan — wallet labels that stick, update habits that fail, and reserve decisions households actually face.
Counting day: a Sunday habit for allocation boards
How clients keep offline boards honest with a twenty-minute count — without turning the kitchen into a lecture.
Five wallet labels that survive the first month
Names that match how cash actually leaves the house — and which textbook categories clients quietly abandon.