Clearer thinking about money.
Practical reading for the money at home and the decisions at work.
VAT you collected is not your money: set it aside the day it arrives
A shop or rental business that reads its bank balance as cash is heading for a bad surprise on the VAT payment date. Here is the weekly habit that fixes it.
Petrol is climbing again, here is what it costs your family each month
Oil prices jumped on Middle East tension and Portuguese pump prices hit record highs. Here is the euro cost for a two-car family and what to do this month.
The sticker album game: twelve weeks, one album, a child who learns to budget
A game for one child and one parent: pocket money in packs, a ledger on the fridge, swaps, and one decision at the end.
What your accountant needs from you each month, and when
The five things a contabilista certificado waits for, and why handing them over on the 5th gets your accounts back in days, not weeks.
Cash runway: the one figure to know every Monday
Bank balance is not runway. Learn to compute real free cash and read it before it reads you.
The weekly bank match: thirty minutes that save the month close
A six-person consultancy matches its bank lines every Friday. Here is the arithmetic behind why the month then closes in a morning.
PPR: what it is for, what it costs, when it is worth it
A plain look at the Portuguese retirement plan: the IRS deduction, the lock-in rules, the fees, and a simple way to decide if it fits your household.
Buying a car? Euro 7 rules could add hundreds of euros from November
From 29 November, Euro 7 rules feed into Portugal's ISV tax, raising new car prices. Here is what it means in euros and what to do now.
Fuel is costing more, and no tax cut is coming
Portuguese drivers paid €1.16bn extra at the pump since the Iran war. The government has ruled out a VAT cut. Here is what to do this month.