Based on 5 reviews
Finance by Ulku is a personal finance blog written by Sadık Alperen Ülkü, who describes himself as a finance educator and personal budget writer. The site offers general educational content on personal finance topics, including guides, articles, and a consolidated money guide, with a stated emphasis on plain-English explanations and verified figures. It clarifies that its content is for general education only and does not constitute personalized financial advice.
The site publishes around 190 guides so far, each built to answer a single question completely. These guides cover budgeting and cash flow, debt and credit, investing and retirement accounts, taxes, housing and mortgages, insurance and health coverage, and money questions that arrive with life events like marriage, children, education, divorce, aging parents, estates, and more.
Every guide includes specific figures with the year attached, such as contribution limits, tax brackets, benefit amounts, and program rules that reset every January. The site also explains the situations where the advice does not apply and includes a page that only explains when something is a good idea is not a guide but a marketing tactic.
The site uses primary sources like IRS publications, Social Security and CMS releases, CFPB materials, StudentAid.gov, Federal Reserve and Treasury data, rather than other blog posts. This approach helps avoid describing rules that expired years ago without saying so.
The blog offers a consolidated money guide titled 'Everything I Know About Money, in One Guide (2026)' which provides a comprehensive overview of personal finance topics. It also includes specific guides like 'Emergency Fund: How Much You Really Need (2026 Guide)' and 'Best Free Budgeting Apps (No Subscription Required)'.
The site includes a Tools section and publishes informational articles on topics like digital wallets. It also has standard pages such as About, Contact, Privacy Policy, Terms of Use, Editorial Policy, Disclaimer, and a Tools section.
The site makes money through display advertising and affiliate links on some pages. No advertiser sees an article before it is published, and none of them can influence what gets written, ensuring editorial independence.
The site is not advice and does not claim to have a professional license for investments, taxes, or insurance in the United States. It also does not claim that money is simple, acknowledging that some decisions genuinely are not.
The site provides a course-completion certificate in finance, but this is not a professional license. It also emphasizes that general education is the focus, and the content is for general education only.
The site includes a section on how to talk about money with a partner without fighting, focusing on the psychology of overspending and the emotional nature of money arguments. It also covers the importance of understanding the forces behind overspending.
The site offers a guide on how to calculate your own emergency fund using your real transactions, income pattern, and interest rates, rather than a generic guess. It also explains the purpose of an emergency fund and the importance of starting with a $1,000 starter fund.
The site includes a guide on best free budgeting apps with no subscription required, testing popular free budgeting tools to find which ones actually help users stay on track. It emphasizes that budgeting shouldn't cost money and that free tools can be designed well to manage finances effectively.
You can reach Finance by Ulku by e-mail at hello@financebyulku.com.
On Trustburn, Finance by Ulku has a rating of 4.4 out of 5 based on 5 reviews.
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The site provides solid guides on impulse spending and partner money talks. While the content is clearly labeled as general education rather than personalized advice, it remains highly convenient for quick reference. The focus on real transactions over generic guesses is a practical approach, though readers should remember the educational limits before applying specific tactics to their own unique financial profiles.
The site offers general education on money habits rather than personalized advice. The focus seems to be on psychology and budgeting tactics.
It is fantastic to see such accessible resources on budgeting apps and impulse spending tactics. The way the site explains that overspending is psychology, not a character flaw, is incredibly helpful. Having these verified figures and clear explanations readily available makes understanding personal finance so much less intimidating for anyone trying to get their budget in order.
Reading through the available content, it is clear that Finance by Ulku understands that money fights are rarely just about dollars. They explore the psychology behind overspending and impulse buying, noting how modern environments are engineered to make buying feel effortless. The guide on talking to partners about money stands out for framing these conversations as a skill that builds teamwork rather than tension. It is refreshing to see content that acknowledges that financial trouble is often about following rules not built for your specific situation, rather than a failure of willpower. This feels like genuine education rather than sales pitch.
Finance by Ulku offers plain-English personal finance guidance with verified figures. The approach avoids generic rules, focusing instead on real transactions and individual income patterns. This tailored perspective helps readers understand their unique financial situations better than standard one-size-fits-all advice.
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Finance by Ulku is a personal finance blog written by Sadık Alperen Ülkü, who describes himself as a finance educator and personal budget writer. The site offers general educational content on personal finance topics, including guides, articles, and a consolidated money guide, with a stated emphasis on plain-English explanations and verified figures. It clarifies that its content is for general education only and does not constitute personalized financial advice. The site also includes standard pages such as About, Contact, Privacy Policy, Terms of Use, Editorial Policy, Disclaimer, and a Tools section, and it publishes informational articles on topics like digital wallets.