The 20% rule for car affordability: what can you really afford?
Use the 20/4/10 car-buying guideline to test a deposit, loan term and total transport cost—then account for real life.
Read articleMONEY JOURNAL
Make the decision before the decision makes itself.
Clear, practical thinking for purchases, plans and the future you are building.
How much emergency fund do you actually need?
Choose an emergency-fund target based on essential expenses, income reliability, dependants and the risks in your real life.
Read articleCan I afford this? Five checks before a big purchase
Move beyond account balance and test cash flow, emergency runway, ownership cost and future-goal impact before buying.
Read articleKNOW BEFORE YOU SPEND