The Scroll blog
Money, made plain.
Short, honest guides to the money ideas that matter. No jargon, no hype, and every number traced back to a regulator, a central bank, or the research — the same standard we hold the app to.
What is personal finance?
Personal finance is how you manage money across five areas — income, spending, saving, investing, and protection. Here is what each one means, and where to begin.
Read the guideHow to make a budget: the 50/30/20 rule
A budget is a plan for your money, not a punishment. The 50/30/20 rule, how to build one in five steps, and how to bend it when life doesn't fit the ratios.
ReadHow to start investing: a beginner's guide
Long-term money, put to work. What to sort out first, why low-cost index funds suit beginners, and the risks explained without the sales pitch.
ReadHow to pay off debt: avalanche vs snowball
Two proven methods. The avalanche saves the most money; the snowball builds the most momentum. What the research actually says, and how to choose the one you'll finish.
ReadHow to build an emergency fund
Cash you can reach fast when the boiler dies or the work dries up. How much to aim for, where to keep it, and how to build one without heroics.
ReadWhat is compound interest? Explained with examples
It is interest earned on your interest — the reason small amounts turn into large ones given time. Worked examples, the Rule of 72, and why it cuts both ways.
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