Cards, accounts, budgeting tools and the fine print underneath them. Plain explanations, no product-pushing.
A headline rate on a category you barely spend in loses to a flat rate everywhere. The comparison is arithmetic, and it has to start with your own statements rather than the offer.
A large share of savings accounts pay their advertised rate for a limited period and then drop to something far lower. The drop is disclosed, and almost nobody reads it.
Most budgeting apps assume you enjoy categorising transactions. If you do not, the app that works is the one that asks least of you and still tells you something useful.
Interest-free credit can be genuinely useful or quietly expensive, and the difference is in four lines of the agreement. Here is where to find them and what they mean.
These are not competing products so much as tools for different timeframes. The question is not which returns more, but when you will need the money and what you can tolerate.
