Kapitus Library https://kapitusfundings.com/blog.html Guides on credit, borrowing costs, budgeting and repayment. en-us Tue, 04 Aug 2026 09:00:00 +0000 How Personal Loan Interest Actually Works — And Why Two Offers at the Same Rate Cost Different Amounts https://kapitusfundings.com/blog/how-personal-loan-interest-actually-works.html https://kapitusfundings.com/blog/how-personal-loan-interest-actually-works.html Amortisation, APR, origination fees and the difference between the rate you are quoted and the money that actually leaves your account. Rates & Cost Thu, 18 Jun 2026 09:00:00 +0000 What Lenders Actually See When They Pull Your Credit File https://kapitusfundings.com/blog/what-lenders-see-when-they-pull-your-credit.html https://kapitusfundings.com/blog/what-lenders-see-when-they-pull-your-credit.html The five factor groups behind a consumer credit score, what each one weighs, and which parts you can move in ninety days. Credit Thu, 25 Jun 2026 09:00:00 +0000 Building an Emergency Fund When Your Income Is Different Every Month https://kapitusfundings.com/blog/building-an-emergency-fund-on-an-irregular-income.html https://kapitusfundings.com/blog/building-an-emergency-fund-on-an-irregular-income.html Percentage-based saving, the baseline month method, and why the standard three-to-six-months advice fails self-employed households. Saving Thu, 02 Jul 2026 09:00:00 +0000 Reading a Loan Agreement Properly: The Nine Clauses That Matter https://kapitusfundings.com/blog/reading-a-loan-agreement-before-you-sign.html https://kapitusfundings.com/blog/reading-a-loan-agreement-before-you-sign.html Prepayment terms, late fee schedules, autopay conditions, and the disclosure block that contains the only four numbers you truly need. Borrowing Thu, 09 Jul 2026 09:00:00 +0000 The Real Cost of Paying the Minimum: A Decade of Arithmetic https://kapitusfundings.com/blog/the-real-cost-of-minimum-payments.html https://kapitusfundings.com/blog/the-real-cost-of-minimum-payments.html Why minimum payments slow down as the balance falls, and what adding a fixed dollar amount each month does to the payoff date. Debt Thu, 16 Jul 2026 09:00:00 +0000 A Budget That Survives Month Two https://kapitusfundings.com/blog/a-budget-that-survives-month-two.html https://kapitusfundings.com/blog/a-budget-that-survives-month-two.html Most budgets fail in the fourth week. Fixing that has less to do with discipline than with how irregular costs are handled. Budgeting Thu, 23 Jul 2026 09:00:00 +0000 Spotting a Loan Scam Before It Costs You Anything https://kapitusfundings.com/blog/spotting-a-loan-scam-before-it-costs-you.html https://kapitusfundings.com/blog/spotting-a-loan-scam-before-it-costs-you.html Advance fees, guaranteed approval, spoofed lender names, and how to verify a licence in about four minutes. Safety Thu, 30 Jul 2026 09:00:00 +0000 Debt-to-Income Ratio: The Number Underwriters Look At First https://kapitusfundings.com/blog/debt-to-income-ratio-explained.html https://kapitusfundings.com/blog/debt-to-income-ratio-explained.html How DTI is calculated, what counts and what does not, and three realistic ways to move it before you apply. Borrowing Thu, 11 Jun 2026 09:00:00 +0000 What to Do in the Week Before a Payment You Cannot Make https://kapitusfundings.com/blog/what-to-do-when-you-cannot-make-a-payment.html https://kapitusfundings.com/blog/what-to-do-when-you-cannot-make-a-payment.html Hardship programmes, due date changes, and why the call you make before the due date is worth far more than the one after. Debt Thu, 04 Jun 2026 09:00:00 +0000 Your First Loan: A Practical Walkthrough From Request to Final Payment https://kapitusfundings.com/blog/first-loan-a-practical-walkthrough.html https://kapitusfundings.com/blog/first-loan-a-practical-walkthrough.html What the paperwork asks, what the underwriter is checking, and the four things first-time borrowers most often get wrong. Borrowing Thu, 28 May 2026 09:00:00 +0000 What You Can Realistically Move in Ninety Days on a Credit Score https://kapitusfundings.com/blog/raise-your-credit-score-in-ninety-days.html https://kapitusfundings.com/blog/raise-your-credit-score-in-ninety-days.html Dispute errors, cut utilisation, fix the reporting date. What works quickly, what takes years, and what does nothing at all. Credit Thu, 21 May 2026 09:00:00 +0000 Side Income Without Wrecking Your Week https://kapitusfundings.com/blog/side-income-without-wrecking-your-week.html https://kapitusfundings.com/blog/side-income-without-wrecking-your-week.html Choosing supplementary income by hours required rather than headline rate, and the tax admin nobody mentions until March. Income Thu, 14 May 2026 09:00:00 +0000 Household Money Conversations That Actually Go Somewhere https://kapitusfundings.com/blog/household-money-conversations-that-work.html https://kapitusfundings.com/blog/household-money-conversations-that-work.html Shared accounts, separate accounts, and a meeting structure that keeps the conversation about numbers rather than character. Household Thu, 07 May 2026 09:00:00 +0000 Setting Financial Goals That Have a Deadline Attached https://kapitusfundings.com/blog/setting-financial-goals-with-a-deadline.html https://kapitusfundings.com/blog/setting-financial-goals-with-a-deadline.html Converting vague intentions into dated, costed targets — and the review cadence that keeps them alive past February. Planning Thu, 30 Apr 2026 09:00:00 +0000 The Moving Costs People Forget to Budget For https://kapitusfundings.com/blog/moving-costs-people-forget-to-budget-for.html https://kapitusfundings.com/blog/moving-costs-people-forget-to-budget-for.html Deposits, utility connection fees, overlap rent, and the first-week spending that turns a $1,200 move into a $2,400 one. Planning Thu, 23 Apr 2026 09:00:00 +0000