What is buy now, pay later? Credit files and new EU rules
Buy now, pay later is a small loan from a provider such as Klarna or PayPal. Whether it reaches your credit file depends on the country, and often on the provider.
Fintech
Open banking, AI, and the financial apps that promise to make money simple and mostly add another login.
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Your stock picks were fine. The trading is what cost you
You picked your broker on about €4 of commission and handling. Currency conversion on a €5,000 US-share round trip is €25 (DEGIRO, September 2026).
How to audit your spending and find where it went
A bank statement is a diary you didn't mean to keep. Here's how to read it back and find where the money actually went.
The psychology of spending: why we buy things we don't need
A €200 jacket split into four payments reads to your brain as €50. The psychology of spending, and how to put the brake back.
The envelope system and cash stuffing: does it still work in a cashless Europe?
The cash envelope budgeting system still works in a cashless Europe, but only if the empty bucket can actually stop your card. Cash, pots, and sub-accounts compared.