Latest Posts on MoneySimple
Why Tracking Your Expenses Matters
Without tracking your expenses you can’t control them — and control is the foundation of personal finance. Methods, tools and a true story of how a simple receipt habit changed everything.
Why Personal Finance Matters
Personal finance isn’t just numbers in a spreadsheet — it’s the foundation of your quality of life. Stability, financial independence, smart debt, retirement planning and practical first steps.
My Financial Goals: How to Achieve Your Dreams Effectively
How a personal budget turns financial goals into reality: define specific goals, analyze your situation, the 50/30/20 rule, build an emergency fund and avoid the most common obstacles.
How to Calculate the Interest on a Loan: A Borrower’s Guide
Nominal rate vs APRC, bank margin plus WIBOR, the 1M/3M/6M cycles, why your instalment doesn’t drop the moment rates are cut, fixed vs variable, EURIBOR and POLSTR — and a simple way to estimate the interest yourself.
Personal Finance Management
Why Tracking Your Expenses Matters
Without tracking your expenses you can’t control them — and control is the foundation of personal finance. Methods, tools and a true story of how a simple receipt habit changed everything.
Why Personal Finance Matters
Personal finance isn’t just numbers in a spreadsheet — it’s the foundation of your quality of life. Stability, financial independence, smart debt, retirement planning and practical first steps.
My Financial Goals: How to Achieve Your Dreams Effectively
How a personal budget turns financial goals into reality: define specific goals, analyze your situation, the 50/30/20 rule, build an emergency fund and avoid the most common obstacles.
Dividing Property After Divorce: How to Agree Without Coming to Blows
How to divide property after divorce calmly and fairly: joint vs personal property, equal shares, a mortgaged home, mediation, settling outlays — and avoiding a costly war.
Joint Account With Your Partner or Separate Ones? What to Choose
A joint account or separate ones? What a joint account really gives a couple, the risks the bank won’t mention, and the three-account model — plus six things to agree on before you open one.
Financial Planning
Posts coming soon! Please be patient 🙂
Planning to Take Out a Mortgage in Poland?
Don’t stress! Let’s go through this together! I’ll help you find a mortgage perfectly tailored to your needs. Click below to learn more.
Loans and Mortgages
How to Calculate the Interest on a Loan: A Borrower’s Guide
Nominal rate vs APRC, bank margin plus WIBOR, the 1M/3M/6M cycles, why your instalment doesn’t drop the moment rates are cut, fixed vs variable, EURIBOR and POLSTR — and a simple way to estimate the interest yourself.
How a Credit Card Works
A credit card is money lent by the bank with deferred payment. Billing cycle, interest-free period, the minimum-payment trap, costs and how the limit affects your creditworthiness.
Non-Bank Loans: When They Make Sense and When to Run
„Non-bank” doesn’t mean „illegal” — but it can mean expensive. When a non-bank loan is a sensible move, when to run, what it really costs, the traps to avoid and your rights as a consumer.
0% Store Credit: Does It Really Cost Nothing?
In-store „0% credit” is sometimes a genuine gift and sometimes the cost just hides elsewhere. One simple test and a checklist to tell them apart before you sign.
Which Bank Is Best to Take Out a Loan With?
There’s no single cheapest bank — only the one that fits your income, your down payment and your goals. Why touring branches wastes time, how the ‘lowest instalment’ misleads, when to file several applications, and how an expert helps.
Investments
How to Estimate Your Investment Risk Tolerance
What are we really afraid of — loss, or investment risk? A step-by-step guide to gauging your risk tolerance: time horizon, knowledge, experience and how a loss would affect your life.
The Biggest Investor Mistake: Common Investing Errors to Avoid
Investing looks like easy money, but the market is hard to beat. Here are the most common investing mistakes — and how emotions, market timing and the behavior gap quietly cost you money.
Career Planning
Career Planning: How to Consciously Design Your Professional Path
Career planning is the conscious management of your professional and life roles. Start with an honest self-inventory, choose how you want to earn, and dare to correct course.
Is It Worth Studying? What University Is Really About
Is it worth going to university? A personal take on what studying is really about, why a diploma alone won’t get you a job, and how to make your degree pay off.
What Harry Potter Teaches Us About Planning
Harry waited for a „Great Mythical Event” to change his fate — until he learned that his own decisions mattered most. What the wizarding world teaches us about planning your day, your studies, your money and your path to success.
How Much Does University Cost in Poland? Counting the Real Costs
Free studies in Poland still cost a lot. A real-life breakdown of student living costs (rent, food, transport), three budget options, plus scholarships, student loans and working while you study.
Do You Know Someone Who Wants to Take Out a Mortgage in Poland?
Recommend me to that person and share their contact information with me, and I’ll share my commission with you!
Protection Against Risk
Posts coming soon! Please be patient 🙂
Books
The 4-Hour Workweek by Tim Ferriss – A Review
A review of Tim Ferriss’s „The 4-Hour Workweek”: the New Rich, the DEAL method (Definition, Elimination, Automation, Liberation), mini-retirements and what holds up — and what doesn’t — in everyday life.
Economics Basics
Why GDP Should Matter to You: The Cycle and Your Finances
GDP, the business cycle and stock indices, explained for your wallet: how to read where the economy is heading and avoid making big money decisions against the tide.
What Is Opportunity Cost? Definition, Formula and Examples
Opportunity cost is the value of the best option you give up. Here’s a simple definition, the formula and down-to-earth examples to help you make smarter money decisions.
Books About Finance: Your Best Investment in Financial Education
How to tell a valuable finance book from a misleading one: the gap in the Polish market, the limits of foreign titles, popular myths (Kiyosaki’s ‘liabilities’, the fake Harvard goal study), and recommended reads.
What Harry Potter Teaches Us About Planning
Harry waited for a „Great Mythical Event” to change his fate — until he learned that his own decisions mattered most. What the wizarding world teaches us about planning your day, your studies, your money and your path to success.