Guides & explainers
The reasoning behind the tools. How percentages actually work, what a loan really costs, why BMI misleads, and how to pick a password that holds up. Written to answer the question, then get out of the way.
Money How Big Should Your Emergency Fund Actually Be?
Three to six months of essential spending, not total spending. Getting that distinction right often cuts the target by a third and makes it a goal you finish.
Health How Many Units Is That Drink? The Answer Has Changed
A large glass of wine is 3.25 units and a bottle is under ten. Wine has gained two percentage points of strength in thirty years, and glasses have grown.
Home How Much Concrete Do I Need? And Why It Is Heavier Than You Think
A cubic metre of concrete is 108 bags of 20 kg and weighs 2.4 tonnes. Working that out before ordering changes most people's plan for the weekend.
Health How Tall Will My Child Be? What the Prediction Can and Cannot Tell You
The mid-parental method is what paediatricians use, and it is accurate to within about 10 cm either way. That is a 20 cm window, which is the honest answer.
Money How to Write an Invoice That Actually Gets Paid
Most late payments are not disputes. They are invoices missing a number, sent to the wrong inbox, or with terms nobody bothered to convert into a date.
Writing The Fastest Way to Proofread Is to Stop Reading
Reading silently, your brain repairs the text as it goes. Hearing it removes the shortcut, and several classes of error become impossible to miss.
Money Save or Pay Off Debt First? The Sequence That Actually Works
Neither pure answer survives contact with real life. The order that does starts with a one-month buffer, and skipping it is why most debt plans fail.
Home Stair Rise and Run: Getting the Geometry Right First Time
Divide the height by a whole number of steps and accept the awkward decimal. Rounding the rise and absorbing the error in the last step is a genuine trip hazard.
Money What Should I Charge? Working Out a Freelance Rate That Holds
Dividing your old salary by 2,000 lands 60% to 100% too low. The number that matters is billable hours, and most freelancers bill barely half their time.
Money What Your Employer Actually Paid to Employ You
An employee on 40,000 typically costs 55,000 to 65,000. Knowing the gap matters whether you are going freelance or negotiating a raise.
Money The 700 Hours a Year You Work and Cannot Invoice
Most freelancers bill barely half their working time. Understanding where the rest goes is the difference between a rate that works and one that quietly does not.
Writing Why You Cannot See Your Own Typos
Reading is prediction, not perception. Your brain supplies what should be there, which is exactly why proofreading your own work fails and what to do instead.
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