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Learn finance, no fluff

Guides with examples in guaraníes, BCP data with source and date, and a calculator for every topic. Start with what hurts the most: debt and installments.

Loans8 minHow much does a loan really cost in Paraguay? How to calculate the total cost and the effective rateLearn how to calculate how much extra you pay on a loan in guaraníes, what the effective annual rate is, and how to compare it with the maximum the BCP sets every month.ReadCards and purchases7 minInterest-free installments: are they really free? How to compare them with paying cash12 interest-free installments aren't always free. Learn to calculate the hidden interest when there's a discount for paying cash, with examples in guaraníes.ReadBudget7 minThe 50/30/20 rule with your pay in guaraníes: tables for ₲3, ₲5 and ₲8 millionHow to split your pay with the 50/30/20 rule: tables in guaraníes for ₲3, 5 and 8 million, how much to put toward housing, and what to do if 50% isn't enough.ReadCards and purchases6 min50% cashback on your card: how to calculate what you really saveThey offer you 50% cashback, but there's a cap. Calculate the real discount, the maximum spending that makes sense, and when the card's interest eats the benefit.ReadSaving and investing7 minSaving or investing: what's the difference and where to start in ParaguaySaving isn't the same as investing. Compare demand savings and CDAs with BCP data, the effect of inflation, and the order in which to start with your money.Read StudentsSimple and compound interest, NPV and IRRFormulas explained and worked exercises, step by step.Read ParaguayInflation, BCP rate and accounts in ParaguayThe data, with source and date.Read MexicoWhere your money earns more in MexicoThe guide to accounts and rates for readers in Mexico. (In Spanish.)Read

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