Financial Education
Foundational literacy for lifelong money decisions.
22 items across the knowledge base.
In Research
Why personal-finance rules of thumb do not fit every household
Rules like 50/30/20 budgeting, saving 20% or keeping three to six months of expenses are useful starting points but assume stable …
Why the cheapest car is not always the cheapest to own
Purchase price is only one part of what a car costs. Fuel, insurance, maintenance, repairs, financing and depreciation often add u…
The hidden costs of owning a home beyond the deposit
Owning a home involves recurring and one-off costs beyond the deposit and mortgage: maintenance, insurance, property taxes, transa…
Why emergency-fund advice differs for freelancers and salaried workers
Freelancers and gig workers usually need larger emergency funds than salaried workers because their income is more volatile, they …
Debt snowball vs debt avalanche: what does each method optimize?
The avalanche method optimises for lowest total interest by targeting the highest rate first. The snowball method optimises for mo…
How high-interest debt changes the cost of waiting
With high-interest debt, delaying repayment has a measurable cost because interest compounds on the unpaid balance. Illustrative c…