https://finzcore.com/blog/ Jargon-free guides on budgeting, saving, debt and investing. en https://finzcore.com/blog/savings-goal/ https://finzcore.com/blog/savings-goal/ Wed, 29 Jul 2026 08:00:00 GMT Working out the monthly number takes ten seconds. Still having that number leaving your account eleven months later is the part nobody writes about. https://finzcore.com/blog/how-much-to-retire/ https://finzcore.com/blog/how-much-to-retire/ Wed, 22 Jul 2026 08:00:00 GMT There is a famous shortcut, and it is genuinely useful. It is also built on assumptions that are worth knowing before you bet thirty years on it. https://finzcore.com/blog/mortgage-payment-explained/ https://finzcore.com/blog/mortgage-payment-explained/ Wed, 15 Jul 2026 08:00:00 GMT The number your lender quotes and the number that leaves your account every month are not the same number. The gap is usually a third of the payment. https://finzcore.com/blog/minimum-payment-trap/ https://finzcore.com/blog/minimum-payment-trap/ Wed, 08 Jul 2026 08:00:00 GMT The minimum payment is not designed to get you out of debt. It is designed to keep the debt comfortable — and it is extraordinarily good at its job. https://finzcore.com/blog/what-inflation-does-to-savings/ https://finzcore.com/blog/what-inflation-does-to-savings/ Wed, 01 Jul 2026 08:00:00 GMT Inflation never takes money out of your account. It does something harder to notice: it leaves the number exactly where it is and shrinks what the… https://finzcore.com/blog/salary-vs-hourly/ https://finzcore.com/blog/salary-vs-hourly/ Wed, 24 Jun 2026 08:00:00 GMT Dividing your salary by 2,080 gives you a number. Whether it is a useful number depends on how many hours the job actually takes. https://finzcore.com/blog/net-worth-explained/ https://finzcore.com/blog/net-worth-explained/ Wed, 17 Jun 2026 08:00:00 GMT Income describes what passes through your hands. Net worth describes what stopped. Only one of them can be faked with a good salary. https://finzcore.com/blog/debt-to-income-ratio/ https://finzcore.com/blog/debt-to-income-ratio/ Wed, 10 Jun 2026 08:00:00 GMT Before anyone looks at your credit score, they work out how much of your income is already promised to somebody else. You can calculate it yourself in… https://finzcore.com/blog/50-30-20-rule/ https://finzcore.com/blog/50-30-20-rule/ Fri, 08 May 2026 08:00:00 GMT If every month you wonder where your paycheck went, the 50/30/20 rule is the simplest starting point there is. No complicated apps, no 40-column… https://finzcore.com/blog/investment-scam-warning-signs/ https://finzcore.com/blog/investment-scam-warning-signs/ Sat, 02 May 2026 08:00:00 GMT Good investments are boring. Scams are exciting, urgent and sound too good. These are the five red flags that give them away in seconds. https://finzcore.com/blog/money-scripts/ https://finzcore.com/blog/money-scripts/ Fri, 24 Apr 2026 08:00:00 GMT Your money decisions don't come from logic. They come from beliefs you installed before age twelve, without realizing it. They're called money scripts. https://finzcore.com/blog/emergency-fund/ https://finzcore.com/blog/emergency-fund/ Sat, 18 Apr 2026 08:00:00 GMT An emergency fund doesn't make you rich. It does something more important: it keeps an unexpected event from sinking you into debt. And almost no one… https://finzcore.com/blog/debt-snowball-vs-avalanche/ https://finzcore.com/blog/debt-snowball-vs-avalanche/ Fri, 10 Apr 2026 08:00:00 GMT There are two proven ways to get out of debt. One wins with math; the other, with psychology. The best is, almost always, the one you'll actually finish. https://finzcore.com/blog/compound-interest/ https://finzcore.com/blog/compound-interest/ Fri, 03 Apr 2026 08:00:00 GMT They called it the eighth wonder of the world. Compound interest is why starting at 25 beats starting at 35, even if you save half as much.