Hearth Ledger publishes general educational material about household money. It is not financial, tax, credit, insurance or legal advice, and nothing here recommends buying, signing up for or switching to any product or provider.
The numbers in our examples are simplified and invented to show the method. Your real costs depend on actual prices, tariffs, contract terms, fees, taxes and your circumstances, and they can be higher or lower than any example.
Read the terms from your supplier or lender, and talk to a qualified professional before making a significant financial decision. We are not paid by stores, utilities, carmakers, lenders or insurers for anything we write. The site carries advertising through Google AdSense, and advertisers have no say over our articles.