What a Fed rate hike means for your credit card, loans and savings
What a Fed rate hike means for your credit card: how fast the APR moves, what a quarter point really costs, and the move that matters more.
7 min read
Topic
Saving
6 posts about saving, newest first.
How to do a subscription audit and cancel what you don't use
How to do a subscription audit from your ledger: find every recurring charge, price it per month, decide keep, cut or downgrade, and stop subscription creep.
7 min read
How to make a holiday budget you can pay off before January
How to make a holiday budget from your ledger: find what you can pay in cash by the last payday, list every cost, cut to fit, and save it per paycheck.
7 min read
Are your savings beating inflation? Work out your real interest rate
Are your savings beating inflation? Work out the real interest rate on every pot of cash, after tax, and see what moving it would actually change.
7 min read
Sinking funds: how to budget for irregular expenses without a shock
Sinking funds explained with real numbers: list the irregular bills, divide each by the paydays left, and stop annual expenses turning into emergencies.
8 min read
How much emergency fund should I have? Size it from your ledger
How much emergency fund should I have? Essentials per month times the months you need, worked out on real figures — plus where to keep it and how to build it.
8 min read