Money guides

    51 guides on the questions people actually ask about their own money — where the salary went, whether the loan is overpriced, why the card bill is that size, and what a bank owes you when it gets something wrong. Every figure is shown as arithmetic you can check against your own numbers, and where another app is the better answer, we say so.

    Where your money actually goes

    Start here. What you are losing without overspending on anything.

    Saving more without earning more

    Changing the price of what you already buy, rather than buying less.

    Credit cards

    Whether yours fits how you spend, and what the bill is really made of.

    Credit score and credit reports

    What the number means, why it moved, and what you are owed when it is wrong.

    Loans, and whether yours is priced fairly

    The rate you agreed to once is not the rate you would be offered today.

    Gold

    Including the part the apps selling it will not tell you.

    Bank statements and charges

    Opening the PDF, reading the codes, and stopping the deductions.

    Apps, privacy and how we are paid

    Honest comparisons, including where other apps beat us.