Credit cards · EMI

The hidden costs of credit-card EMIs in Bangladesh (with a worked example)

A ৳60,000 purchase on a 36-month card EMI can cost ৳17,700 extra — about 29%. See where it goes: interest, processing fees, VAT and blocked limits, with a worked example and a calculator.

8 min read · Read guide →
Credit cards · EMI

How to track credit-card EMIs in Bangladesh without losing count

Phone EMI, laptop EMI, a statement converted last month — here's how to track every instalment, its true cost and the month each one ends, without linking your card.

6 min read · Read guide →
Mobile wallets

A simple bKash expense tracker: see where your mobile-wallet money goes

Bills, Send Money, recharge, cash out — small bKash payments add up fast. A calm way to track mobile-wallet spending next to cash, bank and cards, without sharing your PIN.

5 min read · Read guide →
Privacy · Safety

Why manual entry is safer than bank linking for a budgeting app

Budgeting apps that link your bank need your login or ongoing access to your accounts. Here's what that risks, what manual entry costs you, and how to make manual tracking fast.

6 min read · Read guide →
Money moments

Wedding season budget: gifts, outfits and travel, planned

Three weddings this winter? Plan the gift, outfit and travel for each one, turn what's ahead into a goal with a date, and tag every expense #wedding to see the real total.

5 min read · Read guide →
Credit cards

Credit card statement date vs due date, explained

Two dates on every credit card statement, and mixing them up costs money. What each one means, why when you spend matters, and how to set a reminder that works.

4 min read · Read guide →
Money moments

Saving for Ramadan and Eid: a 12-week plan

Eid shopping, salami and Ramadan groceries arrive in one month, but the dates are known months ahead. A 12-week plan with one goal, a weekly step and a grocery budget.

5 min read · Read guide →
Money moments

A year-end money review in 15 minutes

Five questions before you set next year's goals: net worth, where the money went, which budgets held, which goals you finished, and one thing to change.

4 min read · Read guide →

Put it into practice.

Track cash, bKash, bank, cards and EMIs in one calm planner. Nothing to link.

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