Ruwya Planner

Know the date before it arrives.

Plain guides to calendars and reminders: time zones, recurring payments, transfer cut-off times, maintenance windows and holidays across two calendars.

TimeNote 101

Time Zones for Planners: Meetings, Deadlines and Daylight Saving

Most scheduling mistakes are time-zone mistakes. A few habits make them almost disappear.

MoneyNote 202

Recurring Payments: Standing Orders, Direct Debits and Reminders

Rent, bills and subscriptions repeat on their own schedule. A simple system of reminders keeps them paid on time and stops forgotten charges.

TransfersNote 303

Bank Transfer Cut-Off Times and Why Money Arrives Late

A transfer sent at the wrong moment can wait until the next working day. Knowing how cut-off times work helps you send, and expect, money at the right time.

ServicesNote 404

Planning Around Maintenance Windows of Online Services

Banks, apps and online platforms switch parts of their service off for maintenance. If you know when, you can plan around it instead of being caught out.

CalendarsNote 505

Planning Holidays Across Two Calendars

Many families and workplaces live by more than one calendar. Lunar and solar dates drift against each other, so holidays need a little extra planning.

AppsNote 606

Choosing a Calendar and Reminder App That You Will Actually Use

The best planning app is the one you open every day. A few practical questions help you choose, and a few settings make any app more reliable.