Debt and borrowing
Avalanche or snowball? One household's debts, run both ways
We ran a fictional couple's three debts through both payoff methods, month by month. The gap was smaller than the online arguments suggest.
Page 2 of 2
Latest from the ledger
Steady Sums explains household money with worked examples and round numbers. Reader-supported, no affiliate links, and never personal advice.
Investing costs
The real cost of a 1% fee, worked out over thirty years
One percent sounds small next to a 6% return. Run it over a working lifetime and it takes roughly a quarter of your growth. Here is the arithmetic.
Freelance money
Sizing an emergency fund when your income is never the same twice
The three-to-six-months rule assumes a steady salary. Here is a way to size a buffer from your own worst months instead, with a worked example.