Publication log

30 The Time Value of Money Explained A euro today can earn a return and is usually worth more than a euro received later. Learn present value, future value and the … Article Savings Oct. 30, 2026 → 27 Save or Invest While Paying Debt? Separate emergency liquidity from long-term investing, then compare the guaranteed cost of debt with uncertain after-cost returns. Article Savings Oct. 27, 2026 → 23 Real vs Nominal Return: Inflation Changes the Result Nominal return shows the account growth; real return shows what that money can buy after inflation. Learn to keep rates and periods consistent. Article Savings Oct. 23, 2026 → 20 Savings Account vs ETF for an Emergency Fund Emergency money needs access and capital stability. Compare that job with the volatility and longer horizon an ETF normally requires. Article Savings Oct. 20, 2026 → 16 How Big Should Your Emergency Fund Be? Size the fund from essential monthly expenses, income stability, dependants and access to backup support, not from a universal headline number. Article Savings Oct. 16, 2026 → 13 Good Debt vs Bad Debt: A Better Test Labels hide the real questions: total cost, repayment resilience, what the borrowing buys and what happens if the expected benefit fails. Article Debt Oct. 13, 2026 → 09 How to Budget for Debt Reduction Build a repayment amount that survives real life: essentials first, a small buffer, then a repeatable transfer toward the priority debt. Article Debt Oct. 9, 2026 → 06 The Minimum Payment Trap Explained Minimum payments prevent default but can stretch a balance for years. See how interest and a shrinking payment slow progress. Article Debt Oct. 6, 2026 → 02 Refinance or Make Extra Payments? Compare refinance fees and break-even time with the immediate interest saving from paying extra on the existing mortgage. Article Debt Oct. 2, 2026 →

29 APR vs Interest Rate: What Is the Difference? The interest rate prices borrowed money; APR adds eligible fees. Learn which number helps compare offers and which drives a payment model. Article Debt Sept. 29, 2026 → 25 How Loan Amortisation Works Understand why early payments contain more interest, how principal falls and why an extra payment has more impact near the start. Article Debt Sept. 25, 2026 → 22 Extra Mortgage Payment or Invest: How to Compare Compare guaranteed interest savings with uncertain investment returns, while protecting liquidity and using the same time horizon. Article Debt Sept. 22, 2026 → 18 Combining Finances After Marriage: A Practical Sequence Marriage does not merge your money — you do, decision by decision, usually over about three months. Here is the order that works, and … Article Couples Sept. 18, 2026 → 15 One Income or Two? What a Second Salary Really Adds Whether one partner should step back from work is usually argued as a lifestyle question. It is also an arithmetic one — and the … Article Couples Sept. 15, 2026 → 12 Loan calculator Estimate a loan monthly payment, total interest, payoff year and first-payment split for personal, auto or mortgage-style loans. Calculator Debt Sept. 12, 2026 → 12 Proportional bill split calculator Split shared bills by income and compare the result with a 50/50 split, including each partner’s leftover money. Calculator Couples Sept. 12, 2026 → 11 The Real Cost of a Child: Three Layers, Not One Number Headline totals for "the cost of raising a child" are close to useless — they average across countries, decades and choices you have not … Article Couples Sept. 11, 2026 → 08 One Emergency Fund or Two? Emergency Savings for Couples Two partners, one household, and a decision nobody makes deliberately: one shared emergency fund or two separate ones? The same total behaves very differently … Article Couples Sept. 8, 2026 → 04 The Financial Talk: 12 Questions Every Couple Should Answer Most couples never have one deliberate conversation about money — they have a hundred accidental ones, usually mid-argument. These twelve questions cover everything that … Article Couples Sept. 4, 2026 → 01 Splitting Bills When One Partner Earns More Splitting the bills down the middle feels fair until you look at what each partner has left afterwards. Here is the arithmetic of the … Article Couples Sept. 1, 2026 →

28 Joint, Separate or Hybrid: How Should Couples Hold Their Money? Fully joint, fully separate, or a hybrid with a shared pot? The right answer depends less on romance than on how far apart your … Article Couples Aug. 28, 2026 → 25 How Much to Invest for €3,000 a Month To live on €3,000 a month from investments you need a portfolio of about €900,000 at a 4% withdrawal rate. Here is where that … Article Savings Aug. 25, 2026 → 21 The 4% Rule, Explained with €500,000 The 4% rule is a shortcut for turning savings into retirement income: draw 4% the first year, adjust for inflation, and the money likely … Article Savings Aug. 21, 2026 → 18 Retire at 70 with €2 Million: How Much Income? The same €2 million pays more if you retire at 70 than at 60, because your money has fewer years to last. That supports … Article Savings Aug. 18, 2026 → 14 Can You Retire at 60 with €2 Million? €2 million sounds like enough to retire at 60 — but what monthly income does it actually produce? At a safe 4% that is … Article Savings Aug. 14, 2026 → 11 Warren Buffett’s Golden Rule: Never Lose Money Warren Buffett’s "Rule No. 1: never lose money" is not about avoiding every down year. It is about not taking a loss big enough … Article Savings Aug. 11, 2026 → 07 Fixed vs Discretionary Expenses: What’s the Difference? Fixed expenses are the bills that stay the same; discretionary expenses are the spending you choose. Here is what separates them, the grey area … Article Budgeting Aug. 7, 2026 → 04 The Big Three Expenses That Decide Your Budget For most households, housing, transport and food swallow the majority of take-home pay. That is why cutting the big three moves your budget far … Article Budgeting Aug. 4, 2026 →

31 Dave Ramsey’s 7 Baby Steps Explained The 7 Baby Steps put personal finance in a fixed order: a starter buffer, clear all debt, a full emergency fund, then invest. Here … Article Budgeting July 31, 2026 → 28 Pay Yourself First: The Simplest Saving Habit "Pay yourself first" means moving money to savings the day you are paid, before anything else. Here is why saving the leftover never works, … Article Budgeting July 28, 2026 → 24 Why Budgets Fail (and How to Fix It) Budgets rarely fail because people lack discipline. They fail for five predictable reasons — too strict, unrealistic, or built on forgotten costs. Here is … Article Budgeting July 24, 2026 → 21 What Is the 50/30/20 Rule? A Simple Budget Split The 50/30/20 rule is a one-line budget: half your take-home pay for needs, 30% for wants, 20% for savings and debt. Here is what … Article Budgeting July 21, 2026 → 17 What Is a Personal Budget? A Plain-English Guide A personal budget is a plan that tells your money where to go before the month spends it for you. Here is what a … Article Budgeting July 17, 2026 →

23 Avalanche vs snowball: which clears your debt fastest? Avalanche saves more interest. Snowball builds momentum from early wins. Which one fits depends on a single personality question — answered with a worked … Article Debt June 23, 2026 → 23 How to Calculate Extra Mortgage Payments Extra payments go straight to principal and switch off future interest. Here is the method, a worked example saving €22,134, and a calculator for … Article Debt June 23, 2026 → 23 ECB Deposit Facility Rate: Peak and Every Change, 2022–2024 The ECB deposit facility rate hit 4.00% in September 2023 — its highest ever — after ten straight hikes. Here is the full change-by-change … Article Savings June 23, 2026 →

16 Mortgage refinance break-even calculator Estimate whether a lower mortgage rate repays refinance fees before you plan to move, sell or refinance again. Calculator Debt May 16, 2026 → 16 FX Converter with History Convert EUR to USD, GBP, PLN, CHF or SEK and see the historical ECB-backed reference-rate trend. Calculator Macro May 16, 2026 → 16 Inflation Adjuster Convert a past euro amount into today’s purchasing-power equivalent using Eurostat HICP inflation data. Calculator Inflation May 16, 2026 → 16 Budget Categories Generator Generate a personal budget category list from monthly income with 50/30/20, zero-based, envelope and custom starter presets. Calculator Budgeting May 16, 2026 → 16 Retirement Target Calculator Estimate retirement income from a portfolio, or calculate the portfolio needed for a target monthly income using a withdrawal-rate rule. Calculator Savings May 16, 2026 → 16 Budget Rule Comparator Compare 50/30/20, 70/20/10, 70/10/10/10 and 40/40/20 budget rules from one monthly income number. Calculator Budgeting May 16, 2026 → 14 Couple Budget Planner Plan a fair couple budget. Compare 50/50 and income-based splits for rent, bills and shared monthly expenses. Calculator Couples May 14, 2026 → 11 Bitcoin Price History with ECB Policy Rate Overlay Live chart of Bitcoin in euros, overlaid with the ECB policy rate — so you can see how monetary policy and BTC move together. Article Macro May 11, 2026 → 11 EUR / USD: A Long-Run Live History Live monthly chart of the EUR/USD exchange rate since 2014, plus a plain-English read on what it means for cash, investments, and imports. Article Savings May 11, 2026 → 11 ECB Key Interest Rate: A Live History Live chart of the ECB Deposit Facility Rate since 2014, with every rate move and what it means for savings and mortgages in the … Article Savings May 11, 2026 → 11 EU Inflation History by Country: 2014–2026 A live chart and country-by-country breakdown of harmonised eurozone inflation since 2014, updated weekly from Eurostat HICP. Article Inflation May 11, 2026 → 10 EU Debt-to-GDP Comparator Compare general-government debt as a share of GDP across all EU27 countries. Annual Eurostat data with 10-year trend. Calculator Macro May 10, 2026 → 10 EU Inflation Comparator Compare current and historical inflation rates across Germany, Poland, Spain, France, and the EU27 average. Data refreshed weekly from Eurostat. Calculator Inflation May 10, 2026 →

27 How Compound Interest Works A short, math-first reference: the formula, why time matters more than rate, and where the model breaks down. Article Savings April 27, 2026 → 27 Compound Interest Calculator Calculate how compound interest grows your savings over time. Adjust principal, monthly contribution, rate, and time horizon. Calculator Savings April 27, 2026 → 26 Compound Interest Explained How small, regular contributions become a large balance over decades — the math behind the snowball effect. Article Savings April 26, 2026 → 26 50/30/20 budget calculator How to split your monthly income? The 50/30/20 rule: 50% needs, 30% wants, 20% savings. See if your spending matches. Calculator Budgeting April 26, 2026 → 26 Debt-free planner Multi-debt payoff: pay off the highest-rate first (avalanche) or smallest first (snowball)? Compare both with your real numbers. Calculator Debt April 26, 2026 → 26 Emergency Fund Calculator How big should your emergency fund be? Calculate your personal target with current inflation, savings interest and risk profile. Calculator Savings April 26, 2026 → 26 Extra mortgage payment calculator Make an extra mortgage payment: how many years and how much interest do you save? Compare both schedules side by side. Calculator Debt April 26, 2026 → 26 Lifestyle inflation check Did your salary go up but savings stay flat? Diagnose lifestyle inflation: compare income, discretionary spend and savings growth. Calculator Budgeting April 26, 2026 →