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Money, habits and honest finance

Essays and guides on saving, spending psychology and debt — written for people who’ve quit a budgeting app before.

Cartoon of two bus passengers: one dreads a BNPL pay-later bill, the other saved up first and enjoys the rideDebt & creditBuy now, pain later: how BNPL rewires your spendingFour payments of $25 never feels like $100. How BNPL rewires your spending psychology, where the debt spiral starts, and five rules to stay out of it.July 30, 2026 · 6 min read