Big decisions
Five insurance myths, and the one rule that sorts them out
Insure what you cannot afford to lose, self-insure the rest. Five common beliefs about cover tested against that rule, with deductible maths.
Topic · 4 stories
Budgeting
Spending plans, sinking funds and buffers that hold up when real life sends an unexpected bill.
Budgeting
Sinking funds: how to stop being surprised by bills you knew were coming
Car services, birthdays and annual renewals are not emergencies. A simple sinking-fund system turns them into a single predictable monthly transfer.
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.
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.