Plain-English guides on loans, investments, tax and everyday money maths — each one written to go with a free calculator.
The two ways of charging interest look almost identical in year one and completely different in year twenty. Here is which one you are actually paying...
· 3 min read
Divide 72 by your annual return and you get the number of years it takes to double. It is the simplest useful shortcut in personal finance.
· 3 min read
The emergency fund is the least exciting part of a financial plan and the one that keeps everything else from falling apart.
· 3 min read
A payslip has four sections: earnings, employer contributions, deductions and net pay. Knowing what belongs where makes it easy to check.
· 3 min read
One is automatic, one is tax-free, and one is market-linked. Most salaried investors can use two or three together.
· 4 min read
If a client paid you less than the invoice amount, that is probably TDS. It is your tax, paid in advance, and you can get it back.
· 4 min read
BMI is a screening tool, not a diagnosis. Body fat and waist circumference usually tell a more useful story.
· 4 min read
Discounts, marks, tips, tax and pay rises all come down to the same few percentage calculations. Here are the ones worth knowing by heart.
· 3 min read
The tax on equity gains depends on how long you held the investment. Twelve months is the line that decides everything.
· 3 min read