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By Denis Goncharenko

What Average Household Expenses Show About Price Pressure - and What They Can't

The average US consumer unit spent $78,535 in 2024 - about $6,545 a month. This page sets that spending record against the price indexes for the same two years, category by category, using our own CE-CPI crosswalk, and states plainly what the figures cannot show.

By Denis Goncharenko

Saving Money on Groceries Is Not a Test of Willpower

Federal data shows six grocery categories moving at different rates, not one bill rising evenly. Why the national CPI, the CES spending survey, and USDA's own forecast are each the wrong number to budget against - and how to build your own monthly figure from 8 to 12 weeks of receipts instead.

By Denis Goncharenko

What a Community Action Agency Does and How to Find Yours

Community action agencies run local energy, housing and childcare assistance. What they do, who qualifies and how to find the agency serving your county.

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You know the drill: one loan request, then waiting for the calls to start. Here you stay in control — we treat your information with care, you compare the options available to you, and you choose which lender or partner to move forward with. We can't speak for every partner, but we do our best to keep unwanted calls down.

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By Denis Goncharenko

Free Family Budget Template for Excel and Google Sheets

A free household budget spreadsheet for families of three to five, with categories pre-filled and a separate tab that spreads yearly bills like insurance and registration across all twelve months. No email, no sign-up, works in Excel and Google Sheets.