Articles and guides
Connecting ChatGPT or Claude to Your Finances: How MCP Works and What Is Actually Safe
You can now let Claude or ChatGPT read your transactions and invoices through the Model Context Protocol. Done right, the assistant never sees a password, cannot move money and asks before changing anything. The remaining risks are prompt injection and privacy. How it works and what to check.
How to Budget on an Irregular Income: A Simple System for Freelancers
Monthly budgets assume the same pay every month. Freelancers do not get that. The fix is to turn a lumpy income into a steady salary: tax money goes aside first, a buffer absorbs the swings, and you only raise your pay once the buffer is full. A worked example included.
Is It Safe to Connect Your Bank Account to a Budgeting App? How EU Open Banking Works
In the EU, connecting a bank account to a budgeting app runs over regulated, read-only open banking access: you log in at your bank, the app never sees your password and cannot move money. The real risks sit elsewhere. Here is how it works and how to vet an app.
How to Invoice a Client in Another EU Country: Reverse Charge, VIES and What the Invoice Must Say
Invoicing a business in another EU country is simpler than it looks: for most services you charge no VAT, the client accounts for it under reverse charge, and you report the sale in a recapitulative statement. Here is exactly what the invoice must contain and where people get it wrong.
E-Invoicing in the EU: Country-by-Country Deadlines from 2026 to 2030
There is no single EU deadline for domestic e-invoicing yet. Belgium, Croatia, Poland and France already require it, Slovakia and Germany follow in 2027, Spain after that, and from 1 July 2030 every intra-EU B2B invoice must be electronic. A country table and what it means for small businesses.
Best Invoicing Software for Czech Freelancers: An Honest Comparison
An honest comparison of invoicing software for Czech freelancers, with prices, free plans, tax outputs and EET 2.0 status. Pick by how you get paid, VAT status and your accountant's software.
Spendee vs Wallet by BudgetBakers: Which Budget App Is Better?
Two Prague budget apps, compared honestly: what Spendee and Wallet cost, how they connect to your bank, which one lets you share accounts with a partner, and which is safer.
Flat-Rate Expenses vs Actual Expenses vs Flat Tax for Czech Freelancers
The three ways a Czech OSVČ can be taxed, explained by mechanics rather than yearly numbers: what each costs, what you must track, what you give up and when each one wins.
POHODA or Money S3 vs Online Invoicing: What Czech Freelancers Need
Most OSVČ do not need full accounting software. Here is what the law requires, what desktop and online tools do, what they cost over the years and which fits your situation.
Fakturoid vs iDoklad: Which Czech Invoicing App Fits You?
A neutral head-to-head of the two most popular Czech invoicing apps. Fakturoid wins for most solo freelancers, iDoklad for small teams and Money S3 users.
Best Budgeting Apps in the Czech Republic: Spendee, Wallet, YNAB and More
Which budgeting app actually works with Czech banks? An honest roundup of Spendee, Wallet, YNAB, Toshl, your bank's own app, a spreadsheet and MoneySky, with quick picks.
Czech Flat Rate Tax 2027: Is It Worth It and How to Decide by 11 January
The first band of the Czech flat rate tax costs CZK 9,661 a month in 2027. When it beats the standard regime, who can join, how it ties into the EET exemption and what to file by 11 January 2027.