Loyalty Points and Cashback: Is It Really Free Money?

How loyalty points and cashback work, what they're worth in numbers with an illustrative example, where the costs can hide, and how people make rewards count.

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Behavioural FinanceBeginner

What Is a Plan For, If Life Ignores It?

Plans rarely survive real life untouched. That was never their job. A reflection on plans as starting points rather than promises, where a plan earns its keep, and why adjusting isn't giving up.

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