Notes on building Simple Balance, and on double-entry bookkeeping for one person. https://smpl.money/blog/ 2026-09-17T00:00:00.000Z https://smpl.money/blog/what-a-refund-actually-is/ 2026-09-17T00:00:00.000Z 2026-09-17T00:00:00.000Z

Money coming back into a spending category is not income, and treating it as income quietly inflates both sides of your year.

Gavin Johnson https://smpl.money/blog/double-entry-for-one-person/ 2026-09-10T00:00:00.000Z 2026-09-10T00:00:00.000Z

Why a personal finance app that nobody audits still benefits from books that have to balance.

Gavin Johnson