Founder & developer, VaultlyApps
Mohammad Ali is the developer behind VaultlyApps. He designs, builds and tests every VaultlyApps product himself, with a focus on private, practical tools that solve one real problem well. His background also includes the construction industry, which shapes how he thinks about software for real-world work.
Business Software
Owner's draw or salary, how much to take, and how to turn uneven income into a steady paycheck — a practical guide for sole proprietors, freelancers, makers and small business owners, with a worked example.
Personal Finance
The snowball method pays the smallest balance first; the avalanche method pays the highest interest rate first. Here's how they compare on the same debts, with real numbers — plus the hybrid method and how to choose.
Personal Finance
Your bank balance isn't what you can spend. A safe-to-spend number subtracts bills, savings and planned spending first — here's the formula, worked examples for monthly, weekly and irregular pay, and the mistakes to avoid.
Personal Finance
Save $1 in week one, $2 in week two, up to $52 — and finish the year with $1,378. Here's how the 52-week challenge works, the math behind it, paycheck and monthly versions, and variations that are easier to keep up.
Personal Finance
Subscriptions are designed to be forgotten. A simple four-step audit — find, convert to yearly cost, decide, and set reminders — puts every recurring charge back under your control. Includes a worked audit and a cancellation checklist.
Web Development
Native Android apps, web apps and progressive web apps each have real strengths. Here's how they compare on cost, reach, features, offline use, distribution and updates — with a decision checklist and a real example.
Business Software
Good business software fits your process, protects your data and stays affordable as you grow. Use this step-by-step checklist, a three-year cost comparison and a simple scorecard to compare options before you commit.
Construction Technology
Construction management software brings schedules, budgets, documents, site reports and communication into one system. Here's what it does, who uses it, how the key workflows run, and how to pick one that your crews will actually use.
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