Blog

How much house you can afford: the 28/36 rule, how lenders use your debt-to-income ratio, and a worked example showing the price a given income supports.

APR vs APY explained simply: what each rate means, why APY is always higher, how to convert between them, and which one lenders and banks quote.

Debt snowball vs avalanche compared: which method clears debt fastest and cheapest, the math behind each, and how to choose the right one for you.

How mortgage amortization works: why early payments are mostly interest, how the principal share grows over time, and how to read your amortization schedule.

How much extra loan payments save: why principal-only payments slash interest, a real mortgage example, and whether to pay down debt or invest instead.