Coming Friday, August 21
The Method Scoreboard
Every budgeting method this channel tests, ranked by what it actually found — not just whether it worked, but whether it was worth your time.
How it's scored
| Column | What it measures |
|---|---|
| Net monthly gain | End-of-month position under the method, compared to running no method at all |
| Hours/month | Time the method actually costs to run, logged during the test |
| $ per hour | Net gain ÷ hours — the rank metric |
| Survived? | Yes only if the balance never goes below $0, all month. No caps a method out of the top tier no matter what it found |
The baseline every method is measured against — running no system at all — goes below $0 on day 10, bottoms out at −$841 on day 14, and ends the month with $8.36 to spare. That's the number every method is trying to beat.
Twelve methods, one family, same numbers every time. When a later test contradicts an earlier score, the board says so in public — the old number stays visible, struck through, not quietly deleted.
Every row is one household shape: two earners, $70,564 gross, paid every two weeks, $18,000 of debt, Greensboro, NC. Method fit changes with income shape — a single renter and an irregular-income earner get their own boards later.
The board ships as a tab inside it, live from launch.
Education about budgeting methods, not personal financial advice.