Spending
Cost per use is the number that decides whether something was expensive
Price is what you hand over once; cost per use is what a purchase actually charges you over its life, and…
· 4 min read
Spending
Where money actually goes, and which cuts are worth making.
Spending
Where a household’s money actually goes, and why three categories dominate
Housing, transport and food usually claim most of what a household spends, which is why savings attempted elsewhere rarely move the total very far.
Spending
A subscription renews by silence, and that changes the whole calculation
Recurring payments continue unless a decision is made to stop them, which is a different arrangement from…
· 4 min read
Spending
A budget is a forecast, and forecasts are supposed to be wrong
Most household budgets collapse because they are treated as promises about the future rather than estimates…
· 3 min read
Spending
Lifestyle inflation is a ratchet, which is exactly what makes it expensive
Spending rises easily when income rises and comes down only with effort, so each increase quietly converts…
· 4 min read
Spending
A price is set by one side of the transaction and the value by the other
Two quite different quantities get quoted in the same currency: the amount a seller asks, and the worth a…
· 4 min read
Spending
Renting and buying a home are two different cash-flow shapes
The choice is usually argued as though one option is throwing money away, when the real difference is in…
· 4 min read
Spending
Repair, replace or do without is a three-way comparison
When something breaks the choice is usually posed as fixing it against buying a new one, which quietly…
· 4 min read
Spending
A unit price is the only way two package sizes can be compared
Comparing headline prices between different quantities compares two things that are not the same, which is…
· 3 min read
Spending
Convenience is a service with an hourly rate, and it is rarely quoted
Paying to avoid an errand is buying back time, which becomes a decision you can actually assess once you…
· 4 min read
Spending
An extended warranty is an insurance product sold at the till
The cover offered alongside a purchase is a small insurance contract, and the questions that decide whether…
· 4 min read
Spending
Some cheap purchases quietly commit you to an expensive supply
A device sold below its apparent worth is frequently priced that way because the money is made afterwards…
· 4 min read