Debt & Credit
Clearing a loan early competes with everything else the money could do
Repaying debt produces a certain return equal to the interest rate. Comparing it with anything else starts there.
Debt & Credit
Interest, repayment order, credit files and getting out from under it.
21 articles · updated August 11, 2026 · page 2 of 2
Debt & Credit
How much debt is too much is a cashflow question, not a total
The size of a balance says little on its own. What matters is what it demands from each month's income.
Debt & Credit
Daily interest and monthly interest are not the same debt
Two agreements quoting the same rate can cost different amounts. The difference is how often the interest is calculated.
Debt & Credit
Lending within a family changes terms nobody wrote down
The money is straightforward. The unwritten expectations around it are where these arrangements usually come apart.
Debt & Credit
Borrowing to invest multiplies the outcome in both directions
Using borrowed money to buy assets magnifies gains and losses equally. The asymmetry is in what happens when it goes wrong.
Debt & Credit
A payment holiday moves the interest, it does not remove it
Pausing payments can be the right thing to do in a crisis. It is not free, and the cost appears later.
Debt & Credit
A fee added to the loan behaves exactly like more interest
Arrangement fees are quoted as a one-off. Roll them into the balance and they compound for the whole term.
Debt & Credit
Borrowing in a currency you do not earn adds a second debt
The repayment is fixed in one currency and your income arrives in another. That gap is a risk in its own right.
Debt & Credit
When the payment is smaller than the interest, the balance grows
A debt can increase while you pay it every month. The condition is simple and easy to miss on a statement.