Jakob Kremshuber
Articles on this site appear under this name. It is a pen name, not a second person: the publisher stands behind it, named in full and with a postal address in the imprint. There is deliberately no CV here – what you can check is the work, not the person.
How you can check these texts
A qualification nobody can check is not information on a money site, it is one more assertion. What can be checked instead is the work:
- Every claimed number carries a source and a retrieval date. We write no figure from memory.
- Every calculated number comes from a public calculator on this site. You can redo it with your own values.
- Compound interest is always given twice: nominal, and in today’s purchasing power.
- We correct in the open. What was wrong stays visible next to the new number.
Where you can look
Every article under this name
- Compare auto-loan offers beyond the monthly payment
- Annual kWh cost: turn appliance energy use into dollars
- Energy efficiency: is the higher appliance price worth it?
- First apartment budget: move-in cash and monthly costs
- How much rent can I afford? Start with your budget
- Rental costs beyond rent: build the full monthly total
- Replace an old refrigerator: does the saving pay off?
- Annual expenses: build them into your budget
- How to Calculate Shrinkflation from Package Sizes
- How to Compare Unit Prices at the Grocery Store
- Estimate annual mileage: odometer readings and trip planning
- Fixed expenses list: what belongs in your budget?
- Is Buying in Bulk Cheaper? Count What You Use
- Measure appliance electricity use and calculate annual cost
- Monthly budget: plan what is really left
- Packed lunch vs buying lunch: calculate the real saving
- Reduce recurring bills: a practical contract review
- Gym membership vs pay per visit: compare actual use
- Coworking day pass vs membership: compare actual use
- Annual vs monthly subscriptions: find your break-even point
- Powerball every week: what one play per drawing costs in a year, and what the odds really say
- The cost of smoking: what a pack a day adds up to in a year, and what it could grow into over 30 years
- The water you already pay for, and then buy again
- Broke because life happened
- The cancel button, and the federal rule that was struck down before it took effect
- Two years, one month, done - except that is a German rule
- Broke because five dollars does not matter
- Is switching worth it? Work it out before you spend three hours on it
- Broke because the raise arrived and nothing changed
- Pay it down or put it away? The arithmetic is clearer than the argument
- The subscription audit: twenty minutes that hurts in three figures
- Twenty minutes of bank statements beats a year of budgeting
- What a home-cooked portion actually costs
- The first 33 minutes of your working day are worked for the car
- Broke because it was on sale
- The car insurance quote you have not re-run since you bought the car
- A lower car payment can hide a longer, more expensive loan
- The account that charges you for not having enough money in it
- Your credit score, as arithmetic instead of folklore
- Overdraft: the loan you never applied for, at a rate no lender may advertise
- Unplugging everything saves you $1.62 a year
- The membership fee is the least interesting number in warehouse club math
- A year of driving, line by line
- Delivery fees: paying twice for the same dinner
- Eating well for less: the split nobody looks at
- Your first 1,000 dollars: the order that actually matters
- The library card: the cheapest thing you already own
- Broke because the minimum payment looked like a plan
- Broke because nobody ever showed you the arithmetic
- Your phone bill: 1,359 dollars a year that renews itself
- The streaming stack: the bill nobody ever decided on
- Coffee versus investing: the 30-year math, and the number everyone leaves out
- Emergency fund: how much you actually need and where it belongs
- Your gym membership: the most expensive way not to work out
Who stands behind this
The publisher and responsible editor under section 18(2) of the German Interstate Media Treaty (MStV) is Stefan Seyfang, named in full and with a postal address in the imprint.
How an article comes about
Language models help with drafting and editing. Nothing a model produces about numbers, deadlines, or the law reaches this site unchecked: every claimed figure is held against the source it names, every calculated one comes from a calculator on this site. A person stands behind the content, not a model.