My Urbanitae experience: 11,000 euros in property
I put 5,000 euros into one Urbanitae project and 6,000 into another. Here's why, how I picked the projects and what I'd do differently today.
Read article →Blog - Personal Finance
Articles and guides on personal finance: mortgage, payslip, pension, saving, investing and more, explained clearly.
34 article(s) found
Copy trading on eToro: I tried it, here's what I learned
I copied a trader on eToro with $500 plus monthly top-ups. I made money, but here's why it's far riskier than a plain index fund.
Read article →What is Urbanitae? Real estate crowdfunding explained
Urbanitae explained: how real estate crowdfunding works, project types, target returns, risks and taxes before you invest your first 500 euros.
Read article →What is eToro? How it works, real costs and risks
eToro without the hype: what you can buy, what it really costs, how CopyTrader works, what happens with taxes and the risks before you sign up.
Read article →Spain's pension regulatory base: what it actually is
My mom showed me her pension simulator and pointed at a strange number: "regulatory base." Here's what it is, and why it isn't your pension.
Read article →TIN vs TAE: the gap that makes a loan pricier
Spain's TIN and TAE aren't the same rate, and mixing them up leads to comparing loans wrong. What each one measures and which one actually matters.
Read article →Paying off your mortgage early: is it worth it?
I got some unexpected extra cash and had to choose: pay down the mortgage or invest it. Here's the actual math I ran, not just gut-feeling advice.
Read article →Spain's home purchase tax break: why I don't get it
My dad still deducts his mortgage on his taxes and I can't on mine. It's not a filing error — here's why, and who still keeps that right.
Read article →How to calculate your Spanish pension (no headaches)
I tried working out my future pension by hand and ended up with three legal-text tabs open. Here's the simplified process, step by step.
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