The Finlivo blog https://finlivo.app/blog Practical guides on keeping track of money and work. en A monthly budget you'll actually keep https://finlivo.app/blog/monthly-budget-you-keep https://finlivo.app/blog/monthly-budget-you-keep Thu, 05 Nov 2026 09:00:00 GMT Finlivo Expense Most budgets fail in the second week, not the first. Why that happens, and a smaller, more forgiving way to plan your month that survives real life. Due and Advance, explained with real numbers https://finlivo.app/blog/due-and-advance-explained https://finlivo.app/blog/due-and-advance-explained Thu, 05 Nov 2026 09:00:00 GMT Finlivo Business Two words decide every conversation with a supplier. A worked example of how deliveries, payments, extra payments and money back move the balance. How to keep track of what you owe each supplier on a job https://finlivo.app/blog/track-what-you-owe-suppliers https://finlivo.app/blog/track-what-you-owe-suppliers Thu, 05 Nov 2026 09:00:00 GMT Finlivo Business Deliveries arrive in pieces and payments go out in round numbers, so the balance drifts. Here is a simple way to always know where you stand with every supplier. How to split trip costs fairly when everyone pays for different things https://finlivo.app/blog/split-trip-costs-fairly https://finlivo.app/blog/split-trip-costs-fairly Thu, 05 Nov 2026 09:00:00 GMT Finlivo Trip One person books the hotel, another the car, someone covers dinners and someone pays for nothing. How to work out who owes whom, and settle it in the fewest payments. Lending money to friends without losing track (or the friendship) https://finlivo.app/blog/lend-money-to-friends https://finlivo.app/blog/lend-money-to-friends Thu, 05 Nov 2026 09:00:00 GMT Finlivo Expense Small loans between friends go wrong for one reason more than any other, and it isn't that people don't pay back. A practical way to keep it clear on both sides. Riding for several delivery apps? How to keep each company's pay straight https://finlivo.app/blog/multiple-delivery-apps-earnings https://finlivo.app/blog/multiple-delivery-apps-earnings Thu, 05 Nov 2026 09:00:00 GMT Finlivo Rider Two or three platforms means two or three pay rates, payout days and sets of bonuses. A simple way to know what each company owes you, and to spot a short payout. Should your group use a trip fund? How it works, and when it doesn't https://finlivo.app/blog/trip-fund-how-it-works https://finlivo.app/blog/trip-fund-how-it-works Thu, 05 Nov 2026 09:00:00 GMT Finlivo Trip Collecting money up front and paying from one pot can save a group a lot of splitting. A practical guide to running a trip fund, with the mistakes to avoid. Tracking stock by size on site: rebar, tiles and pipes https://finlivo.app/blog/track-stock-by-size https://finlivo.app/blog/track-stock-by-size Thu, 05 Nov 2026 09:00:00 GMT Finlivo Business Knowing you have "rebar" isn't enough when the job needs #4 and you only have #5 left. How to count materials by size, by pack, and across more than one site. What do you really earn per hour as a delivery rider? https://finlivo.app/blog/delivery-rider-real-hourly-pay https://finlivo.app/blog/delivery-rider-real-hourly-pay Thu, 05 Nov 2026 09:00:00 GMT Finlivo Rider The number on the app's earnings screen isn't what you take home. How to work out your real hourly pay after fuel, waiting time and everything else, with a worked example.