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    <description>Planning notes from Surabhi Kuthiala, who makes the CalmNCalculated planners — how to plan a wedding, a baby, a move or a budget without it taking over your life.</description>
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      <title>How to plan Christmas without the December panic</title>
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      <description>A month-by-month countdown to Christmas, why the real deadlines are the posting dates rather than the day itself, and how gift budgets go wrong every single year.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Sat, 08 Aug 2026 00:00:00 +0000</pubDate>
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      <title>Snowball or avalanche: how to choose a debt payoff method</title>
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      <description>Avalanche saves the most interest. Snowball gets finished more often. The honest comparison, the criteria to choose on, and the number that matters more than either.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Fri, 24 Jul 2026 00:00:00 +0000</pubDate>
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      <title>How to budget for a home renovation</title>
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      <description>Renovations rarely overrun because of one big mistake. They overrun through small changes, each approved on its own and never added up. Here is how to see it coming.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Sun, 12 Jul 2026 00:00:00 +0000</pubDate>
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      <title>How to plan your day with ADHD</title>
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      <description>Why planners get abandoned, how to separate capturing from planning, and how to build a day that survives a bad morning without turning into a list of failures.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Sat, 11 Jul 2026 00:00:00 +0000</pubDate>
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      <title>How to organise care for an aging parent</title>
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      <description>Medications, appointments and a care record several people can read — how to organise family caregiving so the handover between carers stops being the weak point.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Wed, 01 Jul 2026 00:00:00 +0000</pubDate>
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      <title>How to organise your affairs</title>
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      <description>A will says who gets what. It does not say where anything is. What your family will actually have to find, in the order they will need it.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Wed, 01 Jul 2026 00:00:00 +0000</pubDate>
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      <title>How to plan a house move</title>
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      <description>An eight-week moving countdown — what to do when, how to label boxes so unpacking works, and the half of a move almost nobody plans for.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Wed, 01 Jul 2026 00:00:00 +0000</pubDate>
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      <title>How to plan a trip</title>
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      <description>How to build a trip itinerary that survives the actual holiday, when to book what, and why the budget and the itinerary should never be two separate documents.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Wed, 01 Jul 2026 00:00:00 +0000</pubDate>
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      <title>How to run a household without keeping it all in your head</title>
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      <description>Cleaning, chores, meals and maintenance — how to organise a home by how often things happen rather than by room, and why mental load is really a storage problem.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Wed, 01 Jul 2026 00:00:00 +0000</pubDate>
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      <title>How to plan an Indian wedding</title>
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      <description>An Indian wedding is not one event with a long guest list. It is four to six functions with different guest lists — and that is what breaks ordinary planning tools.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Thu, 25 Jun 2026 00:00:00 +0000</pubDate>
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      <title>How to make a budget that survives the month</title>
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      <description>Zero-based, 50/30/20 or envelope — how to choose a budgeting method, and the step almost everyone skips that decides whether a budget lasts.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Tue, 16 Jun 2026 00:00:00 +0000</pubDate>
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      <title>How to plan a wedding</title>
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      <description>A twelve-month order of operations for planning a wedding — what to book first, why budgets go wrong, and the one number everything else is multiplied by.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Wed, 27 May 2026 00:00:00 +0000</pubDate>
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      <title>What to track in a baby&#x27;s first year</title>
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      <description>Feeds, sleep, nappies, growth and vaccines — what is worth writing down in a baby&#x27;s first year, what is not, and when to stop tracking.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Tue, 26 May 2026 00:00:00 +0000</pubDate>
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      <title>How to plan for a baby</title>
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      <description>What to plan for a baby and when — trimester by trimester, with real costs, the hospital bag, and the one mistake that makes every list go stale.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Wed, 20 May 2026 00:00:00 +0000</pubDate>
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    <item>
      <title>Welcome to CalmNCalculated</title>
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      <description>I&#x27;ve drawn and sold printables for ten years. Now I&#x27;m starting something new, with my family beside me — planning tools bought once and owned outright.</description>
      <dc:creator>Surabhi Kuthiala</dc:creator>
      <pubDate>Fri, 15 May 2026 00:00:00 +0000</pubDate>
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