Subscription creep: why you pay for things you forgot
Why subscriptions pile up unnoticed, the trick of multiplying by twelve, a fifteen-minute audit method, and cancel versus negotiate.
Avalanche vs snowball: which debt do I pay off first?
Avalanche saves the most interest, snowball keeps you motivated. A worked example with real figures shows when each method wins.
Does the 50/30/20 rule work in the UK?
What the 50/30/20 budget rule means in pounds, where it breaks (London rent, low incomes), and how to adapt the split honestly.
What happens if you only pay the minimum on your credit card?
Decades of payments and thousands in interest, by design. Why minimums shrink, and the one change that saves years.
Should I still claim child benefit if I earn over £60k?
Almost always yes. How the charge tapers to £80k, why claiming protects your state pension, and the pension trick that keeps it.
PCP or HP: which is better for car finance?
PCP is cheaper monthly, HP ends with you owning the car. Which wins depends on what you do at the end; here is the honest comparison.
Does Klarna affect your credit score?
Buy-now-pay-later now reports to credit agencies. What lenders see, what hurts, and how BNPL reads on a mortgage application.
Is 30 hours free childcare actually free?
Term-time only, top-up fees, and the £100k cliff. What the funded hours really cover and how to work out your true bill.