Insights
Insights for smarter expense management
Practical tips, user stories, and financial strategies that help you track expenses, organize your finances, and make better spending decisions.
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UNDERSTANDING BIG EXPENSES
16 articles in this category
UNDERSTANDING BIG EXPENSES
How installment payments impact your creditworthiness
Understanding how installment plans influence your credit score can help you avoid hidden pitfalls and build a stronger financial foundation.
Daria Larsson••5 min read
UNDERSTANDING BIG EXPENSES
Example: financing a €2,500 sofa
High-Interest vs. “0% Interest” Plans — What You Need to Know
Daria Larsson••5 min read
UNDERSTANDING BIG EXPENSES
Klarna, PayPal Credit, store financing explained
This article breaks down how BNPL financing works, how Klarna and PayPal Credit differ from store financing, and how to use these tools without falling into debt traps.
Daria Larsson••9 min read
UNDERSTANDING BIG EXPENSES
How to avoid car-related debt traps
For many households, the car is the second-largest expense after housing. Yet cars are also one of the easiest ways to fall into long-term debt.
Daria Larsson••5 min read
UNDERSTANDING BIG EXPENSES
Depreciation and hidden fees
Depreciation directly affects your long-term financial stability: it’s money you will never recover.
Daria Larsson••4 min read
UNDERSTANDING BIG EXPENSES
Car loan structure and interest
Car loans are one of the most common types of consumer debt, yet few people actually understand how they work.
Daria Larsson••2 min read
UNDERSTANDING BIG EXPENSES
How banks calculate mortgage eligibility
Stay tuned! A new article is on the way, packed with insights and practical tips. Coming soon.
Daria Larsson•
UNDERSTANDING BIG EXPENSES
What affects your monthly payment
Stay tuned! A new article is on the way, packed with insights and practical tips. Coming soon.
Daria Larsson•
UNDERSTANDING BIG EXPENSES
Example: financing a €25,000 car
Buying a car is one of the biggest financial decisions most households make. And yet, people usually judge affordability by one thing: the monthly payment.
Daria Larsson••3 min read
UNDERSTANDING BIG EXPENSES
Understanding amortization
Amortization is one of those financial words that sounds complicated… but it describes something very simple: how you pay off a loan over time.
Daria Larsson•
UNDERSTANDING BIG EXPENSES
“0% interest, buy now pay later”—what’s the catch?
At first glance, “0% interest” and Buy Now, Pay Later (BNPL) offers seem like the perfect deal. No extra fees. No interest. Small monthly instalments.
Daria Larsson••4 min read
UNDERSTANDING BIG EXPENSES
Example: €300,000 mortgage calculation
A detailed breakdown of costs, interest, amortization, and real long-term impact
Daria Larsson••9 min read
UNDERSTANDING BIG EXPENSES
The psychology of monthly instalments vs paying cash
A scientific perspective on cognitive biases, decision-making, and household finance
Daria Larsson••5 min read
UNDERSTANDING BIG EXPENSES
What is refinancing and when it makes sense
Refinancing—whether for a mortgage, car loan, or personal loan—means replacing your existing debt with a new one, ideally under better terms.
Daria Larsson••3 min read
UNDERSTANDING BIG EXPENSES
Interest types: fixed, variable, hybrid
Stay tuned! A new article is on the way, packed with insights and practical tips. Coming soon.
Daria Larsson•
UNDERSTANDING BIG EXPENSES
Leasing vs buying: real costs
Leasing a car has become popular because it promises low monthly payments and access to a new vehicle every few years.
Daria Larsson••5 min read