Insights & Guides

Fokus Blog

Expert insights on personal finance, investing, app development, and building healthy habits.

Budgeting

How to Build an Emergency Fund When Money Is Tight

A practical guide to building an emergency fund even when money is tight. Learn how to set achievable goals, automate savings, and use small, consistent steps to protect your finances. A simple, non-pushy approach to creating a safety net that sticks.

personal-financebudgetingsavings
Health

Tackle Cravings: Step-by-Step Guide to Reducing Nicotine

Cravings can feel overwhelming, but a clear plan and practical coping strategies can help you cut down or quit nicotine. This guide offers actionable steps to map triggers, disrupt urges, and build healthier routines that stick.

smoking cessationnicotine cravingsquit smoking
Budgeting

Practical Steps to Budget Seasonal Expenses Without Panic

Seasonal expenses can derail a budget if you react in panic. Learn a practical, step by step approach to calendar, fund, and automate seasonal costs so you can handle holidays, back to school, and winter bills with confidence.

budgetingpersonal-financeseasonal-costs
Development

How to Run a 14-Day MVP Test to Validate Market Demand

A focused 14-day MVP test helps you validate demand without overbuilding. This practical framework guides you through day-by-day steps, metrics to track, and common pitfalls to avoid, ending with a clear decision path for your next move.

MVPStartupProduct
Health

Curb Cravings at Social Events: Practical Quit Plan

Cravings at social events are common, but they don’t have to derail your quit plan. This guide offers practical, step-by-step strategies to prepare, respond, and stay on track during gatherings. You’ll learn to set a clear goal, build a craving toolkit, and rehearse real-world scenarios to reduce relapse risk.

smoking cessationcraving managementsocial events
Budgeting

Stop Overspending at the Grocery Store: A Plan

Struggling to keep grocery costs in check? This practical guide offers a repeatable plan: audit your pantry, plan meals around sales, build precise lists, and track results to steadily cut the grocery bill without sacrificing needs.

personal financebudgetinggrocery shopping
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