Notes
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The cost that is not interest Buy now, pay later charges nothing and costs something. The mechanism is the basket size, not the rate. The right unit for an age Weeks for three months, months for three years, years after that. The unit is a statement about how fast the thing is changing. The multiplier on a pension contribution Tax relief means 80 of take-home buys 100 in the pot. An employer match on top makes it the highest-return decision available. Working days, and whose holidays count A year holds 260 weekdays and about 200 you can actually plan work into. The gap is where estimates go wrong. Cash loses slowly and reliably A savings account paying 2% against 3% inflation loses 1% a year with perfect certainty. That is the trade an emergency fund makes. What a credit score is actually made of Payment history and utilisation are most of it. Closing an old card can lower your score by helping neither. Counting forward to a deadline Thirty days and one month land on different dates. Notice periods are written in days for exactly that reason. The break-even month on a refinance Divide the fees by the monthly saving. If you will move before that month arrives, the lower rate costs you money. Inclusive or exclusive: why two date calculators disagree by a day 1 to 31 January is 30 days or 31, depending on the question. Neither tool is broken; they are answering different ones.
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