Privacy Policy

 

Privacy Policy

Title: Privacy Policy

This Privacy Policy explains how Finance Clarity may collect, use, and protect information.

Information We Collect

  • Basic usage data: Like many websites, we may see general information such as page views, browser type, and approximate location. This is typically provided through standard analytics and hosting tools.

  • Information you provide: If you contact us, we may receive your message and email address.

How We Use Information

We use information to:

  • Maintain and improve the site

  • Respond to messages

  • Understand which topics are useful to readers

Cookies and Advertising

Finance Clarity may display ads.

Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to this website or other websites.
Google’s use of advertising cookies enables Google and its partners to serve ads to users based on their visit to this site and/or other sites on the Internet.

You can opt out of personalized advertising by visiting Google’s Ads Settings.

Data Sharing

We do not sell personal information. We may share limited data only when required by law or to protect the site from abuse.

Changes to This Policy

We may update this policy from time to time. The latest version will always be posted on this page.

Updated: 2026-02-01

Popular posts from this blog

Emergency Fund Math: The Simple Formula

  Emergency Fund Math: How Much You Really Need Meta description: Build an emergency fund with simple math. Learn targets, timelines, and two examples so you can start with confidence. Slug suggestion: emergency-fund-math-how-much-to-save "Save 3–6 months of expenses." You've heard it a hundred times. And every time, it feels overwhelming. Three months of what exactly? Your whole paycheck? Your rent? What if your income bounces around? And how are you supposed to save thousands when you can barely breathe at the end of the month? Here's what nobody tells you: The number matters way less than the system. An emergency fund isn't about hitting some magic total. It's about buying yourself time —time to make smart decisions when life throws curveballs, instead of panicking and reaching for a credit card. Let's do the actual math. No vague advice. Just clear targets and a plan you can start today. TL;DR Base your fund on monthly essential expenses ...
Read more

Why Your Minimum Payment Isn't Working

  Credit Card Minimum Payments: The Trap and How to Escape Meta description: Minimum payments can keep you in debt for years. Learn how they work, what they cost, and safer payoff strategies. Slug suggestion: credit-card-minimum-payment-trap Your credit card statement arrives. You scan down to the minimum payment: $45. Totally doable. You pay it, feel responsible, and move on. Here's the problem: That $45 might've gone almost entirely to interest. Your actual debt? Barely budged. This is how people stay trapped in credit card debt for years —even when they're paying on time, every single month. Minimum payments aren't designed to get you out of debt. They're designed to keep you in it, slowly bleeding interest to the card company. Let's break the cycle. TL;DR Minimum payments keep your account current—they don't get you out of debt fast. Paying only the minimum = more interest, way longer payoff, and years of stress. The fix? Even a small ...
Read more

Snowball vs Avalanche: Pick Your Debt Strategy

  Debt Snowball vs Debt Avalanche: Which Payoff Method Fits You? Meta description: Compare debt snowball vs debt avalanche with clear steps, mistakes to avoid, and two simple number examples. Slug suggestion: debt-snowball-vs-avalanche-method You've got three credit cards. A personal loan. Maybe a line of credit sitting there like a weight on your chest. You know you need a plan. But every time you sit down to figure it out, the numbers blur together and you walk away feeling worse. Here's the truth: The hardest part of paying off debt isn't the math. It's the momentum. Two strategies—debt snowball and debt avalanche—exist because people need a system they can actually follow when motivation tanks and life gets messy. Both can work. The "best" one? The one you'll stick with long enough to hit zero. Let's break them down. TL;DR Snowball = pay smallest balance first → faster wins, more motivation Avalanche = pay highest interest first → ...
Read more