A £250,000 UK mortgage at 5% over 25 years costs £1,461.48 a month and £188,443 in interest. Where each payment goes, how your deposit affects the rate, what happens when a fix ends, the 2022 mini-budget, fees, overpaying, the US version and a calculator for UK and US loans.
Open the guideUK prices have almost doubled since 2000. What £100 or $100 from any year costs now, how far savings rates have fallen behind inflation, and a calculator for UK and US prices.
Open the guideNot from the regulators. In both countries the rules look at what you say and whether it’s part of a business. What counts as regulated advice or an illegal promotion, the finfluencer cases, where a disclaimer can still help, and a checker for your own posts.
Open the guideBerkshire Hathaway’s share price grew 19.7% a year from 1965 to 2025, against 10.5% for the S&P 500. Why most of Buffett’s money came late, why the lead has shrunk, what he tells everyone else to buy, and a calculator for any start year.
Open the guideCompound interest means you earn interest on your interest. What the S&P 500 has really returned, the 2008 crash in dollars and pounds, what tax takes outside an ISA, and a calculator to try your own numbers.
Open the guidePay only the minimum on £3,000 at 24.9% and it takes 28 years on paper, with £5,395 of interest. How UK minimums are worked out, why a fixed payment clears it in under 5 years, the persistent debt rules, balance transfers, the US version and a calculator for your own card.
Open the guideMiss a Klarna payment and there’s no fee for 14 days, then up to £6, and never more than £12 on one plan. What Klarna, Clearpay and PayPal do after a missed payment under the UK rules from 15 July 2026, what goes on your credit file, the US, and a planner that shows when all your plans are due.
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