Oslo's blog
The money rules that affect you, explained in plain words. Every figure links to the law, decree or agency behind it, and every post says when we last checked it.
Books and methods
The Richest Man in Babylon: what it teaches and how to pay yourself first every paydayA summary of The Richest Man in Babylon and its golden rule, pay yourself first: how much to set aside, when to do it and how to start on a small income. · Books and methods
Emergency fund and debt snowball: Dave Ramsey's method, explained honestlyHow much to keep in an emergency fund and how Dave Ramsey's debt snowball works compared with the debt avalanche: the pros, the costs and worked examples. · Books and methods
Atomic Habits for your money: how to turn logging your spending into a habit that doesn't breakA summary of Atomic Habits by James Clear, applied to money: the four laws, the two-minute rule and never missing twice when you log what you spend. · Books and methods
Your Money or Your Life: how to tell how many hours of work the things you buy really costA summary of Your Money or Your Life: find your real hourly wage, turn each purchase into hours of life and track your spending to see where your money goes. · Books and methods
I Will Teach You to Be Rich: how to automate your money and spend guilt-free on what really matters to youA summary of I Will Teach You to Be Rich by Ramit Sethi: how to automate your savings and bills, spend guilt-free on what you love and cut what you don't. · Books and methods- The Kakeibo method: how the Japanese budgeting journal works and how to use it to save every monthWhat the Kakeibo method is: the Japanese budgeting journal, its four categories, the four questions each month and how to keep it on paper or on your phone. · Books and methods
Profit First for freelancers: how to set aside your profit and your taxes first, every time you get paidA summary of Profit First by Mike Michalowicz for freelancers and the self-employed: set aside your profit and your taxes first, in separate accounts. · Books and methods- The 50/30/20 rule: how to split your income the All Your Worth way, and what to do if it doesn't add upThe 50/30/20 rule from All Your Worth splits your take-home pay into 50% needs, 30% wants and 20% savings. How to work it out, and what to do if it won't fit. · Books and methods
For everyone
- Small everyday expenses that add up: how to find yours with a week of tracking and decide which stayWhat small everyday expenses are, why they're hard to see, how to find yours by tracking a week or a month, and how to choose which ones stay. · For everyone
- Credit card minimum payment: what happens to the rest and how each country regulates itWhat a credit card minimum payment is, what happens to the balance you leave, how each country regulates it and how to stop paying only the minimum. · For everyone
- Interest-free instalment plans: how they work, what to check and what happens if you miss a paymentInterest-free instalments, 0% plans, deferred interest, parcelado sem juros: how they work, how they use your credit limit and what happens if you're late. · For everyone
- Statement closing date vs. due date: what each means and what happens if you buy on the closing dateWhat a credit card closing date is, what the payment due date is, what happens if you buy on the closing date and how to avoid interest, country by country. · For everyone
What to do with your first paycheck: a simple plan for your first month of workYour first paycheck, step by step: the deductions on your pay stub, paying yourself first, a starter emergency fund and a simple budget with no new debt. · For everyone
This is financial education, not advice: Oslo doesn't recommend loans or investments. Rules change: always check the official source before deciding.
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