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  <url>
    <loc>https://dues.world/blog/bill-tracker-app</loc>
    <lastmod>2026-01-12</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/bill-tracker-app.jpg</image:loc>
      <image:title>How to actually keep track of your bills (without a spreadsheet)</image:title>
      <image:caption>A practical method for tracking every bill, subscription and renewal in one place — and knowing what you can safely spend after them.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/how-to-track-subscriptions</loc>
    <lastmod>2026-02-03</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/how-to-track-subscriptions.jpg</image:loc>
      <image:title>How to track subscriptions before they renew</image:title>
      <image:caption>Subscriptions are designed to renew quietly. Here's a repeatable system for catching renewals early and cancelling the ones you don't use.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/safe-to-spend-explained</loc>
    <lastmod>2026-03-08</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/safe-to-spend-explained.jpg</image:loc>
      <image:title>Safe to spend: the only budgeting number you need</image:title>
      <image:caption>Why your bank balance lies, and how a daily safe-to-spend figure keeps you solvent between paydays without a full budget.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/cancel-a-subscription</loc>
    <lastmod>2026-04-02</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/cancel-a-subscription.jpg</image:loc>
      <image:title>How to cancel a subscription that doesn't want to be cancelled</image:title>
      <image:caption>Notice periods, written cancellations and retention offers — a plain guide to leaving a service without paying for another year.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/spending-tracker-for-couples</loc>
    <lastmod>2026-05-06</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/spending-tracker-for-couples.jpg</image:loc>
      <image:title>Tracking shared bills when the money comes from two accounts</image:title>
      <image:caption>A simple way for couples and housemates to see the same bill calendar without merging finances or arguing about who paid what.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/subscription-tracker-without-bank-access</loc>
    <lastmod>2026-08-26</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/how-to-track-subscriptions.jpg</image:loc>
      <image:title>A subscription tracker that never touches your bank</image:title>
      <image:caption>You don't have to hand over your bank login to see every subscription in one place. Here's how to track them privately — and why that's often more reliable than bank sync.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/how-much-can-i-safely-spend-this-month</loc>
    <lastmod>2026-08-26</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/safe-to-spend-explained.jpg</image:loc>
      <image:title>How much can I safely spend this month?</image:title>
      <image:caption>A simple way to turn your balance, your next payday and your known bills into one honest number you can spend against — no budgeting spreadsheet required.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/rocket-money-alternative-europe</loc>
    <lastmod>2026-08-26</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/bill-tracker-app.jpg</image:loc>
      <image:title>A Rocket Money alternative that works in Europe (without linking your bank)</image:title>
      <image:caption>Rocket Money is US-only and needs access to your bank. If you're in the EU or UK and want to track bills and subscriptions privately, here's a simpler way.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/bobby-app-alternative</loc>
    <lastmod>2026-08-26</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/how-to-track-subscriptions.jpg</image:loc>
      <image:title>A Bobby app alternative that works on Android and the web</image:title>
      <image:caption>Bobby is iPhone-only and hasn't been meaningfully updated in years. If you want the same simple subscription tracking on Android, a laptop, or the web, here's an alternative.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/emma-app-alternative</loc>
    <lastmod>2026-08-26</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/bill-tracker-app.jpg</image:loc>
      <image:title>An Emma app alternative without the bank connection or the upsells</image:title>
      <image:caption>Emma is a bank-linked assistant with several paid tiers. If you want to track subscriptions and know what's safe to spend without connecting your bank, here's a simpler, privacy-first option.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/monarch-money-alternative-europe</loc>
    <lastmod>2026-08-26</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/safe-to-spend-explained.jpg</image:loc>
      <image:title>A Monarch Money alternative for Europe</image:title>
      <image:caption>Monarch is a polished US budgeting app, but it's built around US bank connections and dollar accounts. For EU users who want private, multi-currency bill and subscription tracking, here's an alternative.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://dues.world/blog/why-we-dont-link-your-bank</loc>
    <lastmod>2026-08-27</lastmod>
    <image:image>
      <image:loc>https://dues.world/blog/bill-tracker-app.jpg</image:loc>
      <image:title>Why DUE never links your bank — and how it works instead</image:title>
      <image:caption>Every money app wants your bank login. DUE refuses on purpose. Here's the reasoning, the architecture, and the honest tradeoff — from the person who built it.</image:caption>
    </image:image>
  </url>
</urlset>