Welcome to Manaul, Your Guide to Smarter Financial Choices
We help you make better financial decisions, earn more from your credit cards, and build a stronger future.
Understanding Charge-Offs and Collections: What Happens to Your Credit?
In the complex landscape of personal finance, few phrases strike as much fear as “charge-off” and “collections.” These term...
Decoding Credit Card Concierge Services: Are They Worth the Annual Fee?
In the realm of premium credit cards, beyond the flashy rewards and generous travel credits, lies a less-understood perk: concierge services. Often...
The Power of Sign-Up Bonuses: How to Earn Thousands in Travel or Cash
In the world of credit cards, few perks rival the immediate thrill and immense value of a sign-up bonus. These lucrative incentives, also known as ...
How interest capitalization works on student loans
Interest capitalization transforms unpaid accrued interest into principal, setting off a cycle of interest-on-interest that can inflate your loan b...
“Green consumer” loans for the purchase of electric vehicles: subsidies, special rates and environmental payback.
Green consumer loans for electric vehicles fuse subsidies, lower APRs, and operational savings into a compelling financing package.
Card APR above 20% and search for alternatives
By understanding the underlying drivers of high APRs and deploying a mix of balance transfers, personal or credit-union loans, P2P financing, and s...
How to report debts and interest paid on US income tax
Properly reporting your debts and interest paid can yield significant tax savings if you understand which payments are deductible, how to meet elig...
How to Improve Your Credit Score in 6 Months or Less
Improving your credit score is a critical step toward achieving better financial health and unlocking more opportunities in your financial life. Wh...
How to Budget Like a Pro: Top Strategies for Saving More Money
Creating and sticking to a well-planned budget is the cornerstone of strong financial health. Whether you’re looking to get out of debt, build an e...
Frequently asked questions
What is the Manual website?
Manual is a financial content platform designed to guide individuals in making better financial choices. We offer insights on topics like credit cards, investments, loans, budgeting, and practical advice to manage your finances more effectively.
Does Manual offer direct financial services?
No. Manual doesn’t offer loans, credit cards, or direct investment products. Our mission is to deliver clear information and comparisons to help you choose the best financial options for your needs.
How can I use the information on the website to my advantage?
The information on our website helps you manage your finances better, choose suitable financial products, and make smarter money decisions with confidence.
How is manual funded?
Manual is funded through ads and collaborations with financial partners, allowing us to provide free content while keeping our reviews and advice independent.
Does Manual charge for its content or services?
No. Manual is entirely free to use. Our goal is to make financial education accessible to everyone, helping people better plan and manage their money.