Guide
Short, plain articles to make your plans add up.
Featured · Inflation · 7 min
How to save when inflation is high
Nominal vs real return, purchasing power and the rising price of your goal: three ideas that keep your snowball from melting.
Read the article- Inflation · 6 minGold, currency, deposits: all your assets in one placeWhy does knowing the total of scattered money matter? How to work out your net worth and value gold and foreign currency properly.
- Debt · 7 minHow many months does credit card debt delay your goal?The hidden cost of the minimum payment: current interest rates, minimum payment rules and what revolving card debt does to a goal.
- Saving · 6 minEmergency fund: how many months of expenses?Job loss, health or a surprise bill: how big a cushion keeps your snowball rolling, and where should you keep it?
- Inflation · 5 minNominal vs real returnThe year you think you made 40%, what did you really make? How to calculate the return left after inflation and tax.
- Buying a home · 8 minRent or buy with a mortgage?Is rent wasted and the instalment an investment? A plain way to compare both with the same money, and the three assumptions that decide it.
- Buying a home · 8 minHow much do you need to save to buy a home?Down payment, title deed fee and other costs, the monthly instalment and a price that rises while you save: a realistic home budget.
- Planning · 6 minOptimistic, base, pessimistic: why three scenarios?A single forecast misleads, three scenarios guide. How to plan a goal in an uncertain future: think in ranges.
- Saving · 6 minWhat percentage of your salary should you save?There's no single right rate; the 50/30/20 rule is a starting point. How to find your own rate: work backwards from your goal.