Money Didn’t Have to Be This Hard

What this book is

The arithmetic behind ordinary money, shown slowly. Why the bigger pack can be the dearer one. Where a payslip goes. Why a pay rise can never cost you money through a tax band. How compound interest works for you in savings and against you in debt. Why the longer loan is the bigger bill, what a “flat” rate hides, and why a card’s minimum payment barely moves the balance.

It is arithmetic, not advice. It never tells you what to buy, where to save or whom to borrow from. Every example uses invented round numbers, so the method is easy to see and works wherever you live.