Billy is, at its core, a family project. It emerged not from market research or business ambition, but from a very practical problem in my own daily life. After months of expressing my frustration to my husband, Espen Larsson, about the absence of a simple application that could consolidate all fixed costs in one place, he—being a software engineer—decided to build the solution himself.

I had tested a wide range of financial apps, yet none addressed my actual needs. Traditional banking interfaces made it difficult to track downpayments; purchased property abroad introduced additional bills; and soon I found myself managing payments across scattered channels—some on paper, some in various digital applications, and others hidden in the bank account ecosystem. The result was a constant sense of “bill-hunting,” a stress familiar to anyone juggling multi-source financial obligations.

Espen’s intervention was simple: design a tool that fits the real problem, not the imagined one. And simplicity matters. As someone completing a PhD in Lean Management, I am professionally—and philosophically—rooted in the principle that the simplest viable solution is always the most effective. Lean thinking rejects unnecessary complexity. No one needs an application with a thousand features they neither understand nor use.

Now that the app exists, and all my bills finally live in a single, coherent system, I have the space to write this blog. I see it not merely as an “app blog,” but as a compendium of essential knowledge—a structured and accessible resource for anyone who wants to understand home finances, avoid overspending, reduce stress, and build financial stability.

Some of these posts are intentionally crafted for beginners. Others required deeper research, including areas outside my academic discipline. All are designed for clarity: financial knowledge explained without jargon, complexity, or intimidation—because every household deserves to be financially literate, not overwhelmed.

This is the starting point.