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Money, habits, and tech that stays out of the way.

Notes written while we build Sonanta. No guru advice: things we learned by measuring, getting it wrong, and talking to a phone in the checkout line.

Habit

Why your budget breaks late in the pay period

Not a discipline problem: spending falls 18% between one payday and the next, then jumps straight back when the money lands.

7 min read Read → Habit

The app you open daily is not the one that changes you

The single biggest lever on how much people save asked them to open nothing. Participation went from 37% to 86% with no one lifting a finger.

6 min read Read → Habit

Why Sunday night is a bad time to review your spending

In an experiment with 3,272 employees, writing down the date changed nothing. Writing down the date and the time did.

7 min read Read → Habit

Why you stop tracking expenses after a few days

A paper diary with a hidden sensor inside showed that only 11% of people filled it in as instructed. 90% said they had.

10 min read Read → Money

How to manage your money on 30,000 pesos a month

Nothing you spend hurts enough to warn you. That is the hard part.

5 min read Read → Money

How to manage your money on 20,000 pesos a month

There is margin at this income. The margin is also the part of the month you will not remember.

5 min read Read → Money

How to manage your money on 10,000 pesos a month

In 2026 that is almost exactly Mexico's minimum wage. At that income, 50/30/20 asks for room that isn't there.

6 min read Read →

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