All Posts

"Bigger is cheaper" is one of the expensive beliefs in a supermarket. Sometimes it is true. Sometimes the big pack costs more per gram and sometimes it costs more per use. Here is the math, plus six edge cases where the shelf label can mislead you. The only number that matters is the unit price: price ÷ quantity in the unit (per kg per litre per 100 sheets, per wash). In the EU shops generally have to show it on the shelf label for packaged goods usually in small print. Edge

If you've scrolled past any finance headlines or social media lately, you've probably seen some version of this sentence: AI is breaking the market's roof. Sure, it sounds dramatic, but it's actually one of the easiest financial ideas to comprehend once you break it down and it's a good one to know (even if you're nowhere near ready to invest yet!). Here's the simplest way to see it - since May 2024, the S&P 500, the index that tracks 500 of the biggest companies in the US, a

I remember watching TV shows as a kid and seeing adults casually pull out a shiny little plastic card to pay for dinner, shopping, or a coffee. It always looked so… grown-up. There was just something about tapping/swiping a card instead of handing over cash that made adulthood feel a little more posh. Fast-forward a couple of years, and have officially started receiving pocket money. The best part? It comes with that shiny-looking piece of plastic! I remember holding it for t

“Investing is only for adults. You can’t do it as a minor!” This is a phrase I am sure teenagers have heard who tried to start to invest. Well, it is technically true. If any of you, like me, tried to set up an account, you couldn't, because you were underage. It’s a shame, really, but that doesn’t mean you can’t bend the rules a little! As I am writing this, my money inside several index funds is aging like fine wine. You might be thinking, how did I do this? Actually, it’s

There is one subject that will affect every decision you make for the rest of your life: what you eat, where you live, whether you can afford to leave a job that makes you miserable, and even whether you can help your family in an emergency. Interestingly enough, as crucial as it is, the matter is not taught in schools. Locally, in Lithuania, as in the vast majority of European countries, it is not even a part of the standard curriculum. Most young people reach adulthood havi

For many decades, growth, which can be defined as enhanced production, consumption or profit generation, delivers economic success. Since 1934, GDP has been used as a proxy measure of progress. The model assumes unlimited resources, not considering the fact that we live on a finite planet that cannot physically provide this. Every year, people use more natural resources than our planet can regenerate, putting Earth in overshoot or ecological deficit. Climate change, biodivers

Have you ever felt lost when it comes to money? Wondering how to save, spend wisely, or even invest without getting overwhelmed? You’re not alone. Many young people in Lithuania grow up without clear guidance on managing money, even though it plays a huge role in our daily lives. That’s exactly why I created Monflow — a simple, practical space to help you understand money better and make it work for you. What is Monflow? Monflow is your personal money toolkit. Here, I break d