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One money rule per week. 30 seconds to read. Free.

Enrico Scha helped banks, apps, and retailers design the tricks that make you spend more than you planned.

Now he shares tips and tricks to help you fight back.

Latest

The $3,000 coffee machine nobody needed

Jun 15, 2026

The justification sounds smart. The maths is always wrong.

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The cashback program that costs you more

Jun 8, 2026

2% back sounds good until you do the maths.

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Rent vs buy in 2026, the five questions

Apr 13, 2026

Skip the opinions. Answer these five and the decision answers itself.

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The true cost of buy now pay later

Apr 6, 2026

"0% interest" is the most profitable marketing lie of the last decade.

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The $3,000 mistake I made in my twenties

Mar 30, 2026

Why the first price you see ruins every decision after it.

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The real cost of financing a car

Mar 23, 2026

Why the monthly payment is the wrong number to focus on.

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How big should your emergency fund actually be?

Mar 16, 2026

The "3 to 6 months" advice is wrong for most people.

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The subscription audit that saved $340 a month

Mar 9, 2026

Why you're paying for services you stopped using months ago.

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How to cut three bills in one Saturday

Mar 2, 2026

A four-hour exercise that saves most people over $1,000 a year.

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Why your raise never feels like a raise

Feb 23, 2026

The quiet tax on every pay bump you've ever had.

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Should I pay off debt or invest? The 6% rule

Feb 16, 2026

One number decides the right answer for almost everyone.

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Why you should audit subscriptions every six months

Feb 7, 2026

The one-off cleanup doesn't work. Here's what does.

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The credit card minimum payment trap

Jan 31, 2026

Why paying the minimum keeps you in debt for 18 years.

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How to negotiate a raise that actually sticks

Jan 24, 2026

The three mistakes that cost people thousands when they ask.

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The supermarket psychology that makes you spend 30% more

Jan 17, 2026

Why your trolley always has things you didn't plan to buy.

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The insurance auto-renewal trick

Jan 6, 2026

Why loyalty costs you more than switching.

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When to cancel a subscription vs pause it

Dec 27, 2025

Pausing sounds responsible. It's usually the wrong choice.

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Your bank is paying you 0.05% and hoping you don't check

Dec 21, 2025

The real savings rate hidden behind the headline number.

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