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.
Regulation
The rulebooks and watchdogs that decide what banks and brokers may do to you, and where to complain when they do it anyway.
Latest
Credit card types explained: is yours really credit?
Your card says CREDIT, which settles less than you'd hope. Four card types, and where each one catches you out.
How shops trick you into spending more, and which of it is illegal.
Consumer authorities checked 314 online traders across Black Friday 2025, and only 40% fully complied with the EU's discount rules. Other tricks here are illegal too.
What insurance do you actually need: subtract before you buy
Most insurance is priced above your expected loss, by design. Subtract your state, employer and savings, and only the real gap is worth a policy.
How to spot an investment scam: check the firm, not the pitch
Two registers and a warning list. That is the check that works on an investment firm, because the pitch, the dashboard and the profit on it are all theirs.
The cost of doing nothing with your money, and what to fix first
Four money lines go stale at once: savings, tariffs, an uninvested surplus, and a pension rate you never set. Here's the ten-year bill, and what to fix first.
What ESG investing means, and what it changes about what you own
Two funds, same ESG label. One index targets a quarter of each sector's tradable market value, the other half. That figure is not on your factsheet.
How to pick an ETF in Europe without losing the plot
Pick a UCITS ETF in Europe with a weighted six-point checklist: the UCITS gate, what it tracks, true cost, size, acc or dist, domicile.
Tax·
Tax-efficient investing in Europe: the fee you can cut
A 0.5% annual tax drag can cost a European investor tens of thousands over a working life. Cut it with the right wrapper, fund and filling order.
What is the stock market? A plain guide for first-time investors
The stock market explained for first-time European investors: what shares and exchanges actually are, and the rules that protect you.