The FinQuest blog
Tips, methods and breakdowns to take back control of your money.
Money words, explained simply. Glossary
Pay in 3 becomes real credit on 20 November 2026: what changes for you
On 20 November 2026, buy now pay later stops being a checkout convenience and becomes consumer credit in France. Credit-file checks, 30 days to withdraw, and refusals that never used to happen. Here is why, and what it means for your next basket.
- Investing
Fake financial advisers: the AMF is warning, here is the 30-second check
Summer 2026 saw reports of fake wealth advisers surge on Instagram, Telegram and TikTok, with profiles more convincing than ever. Here are the signals that give a scam away, and the two-register check that takes half a minute.
Read article - Budget
Shein, Temu, AliExpress: Why Your Small Parcels Cost More Since 1 July
Since 1 July 2026, the EU applies a €3-per-category customs duty on small non-EU parcels under €150. We explain what changes, who really pays, and the right reflex for your budget.
Read article - News
Binance, MiCA and the AMF: what changes for your crypto on 1 July 2026
On 1 July 2026, the end of the MiCA transition shakes up crypto platforms. Binance is halting part of its services in France. Here's what it means for you, and what to check first.
Read article - News
The SpaceX IPO: The Biggest Stock Market Debut in History
SpaceX went public on 12 June 2026: 75 billion dollars raised, a record. We explain the IPO, the valuation and what it changes for a retail investor.
Read article - News
The Flat Tax in 2026: What Changes If You Invest
The flat tax rises to 31.4% in 2026. We break down the PFU, the option to be taxed on the income tax scale, and why the PEA stays your best ally.
Read article - Investing
Getting started with investing in 2026: tax-friendly accounts, ETFs, and mistakes to avoid in your 20s and 30s
Starting to invest in your 20s or 30s in 2026: the right account, the right product (ETFs), small automated contributions, and the traps to steer clear of.
Read article - Investing
PEA or Brokerage Account: Which Should You Choose When Starting Out?
PEA or brokerage account: we compare the two wrappers (ceiling, tax, securities) to help you choose when you're starting out in the markets.
Read article - Investing
What Is an ETF? A Simple Explanation for Investing With Zero Experience
An ETF is a basket of shares you buy in a single order. A clear definition, real examples, and fees explained without the jargon.
Read article - Investing
Investing in the stock market with €50 a month: the DCA method for small budgets
You don't need a big lump sum to start investing in the stock market. Here's the DCA method, the small-budget combo, and the points to watch out for.
Read article - Investing
Compound interest explained simply: why starting young changes everything
Compound interest is interest that earns interest of its own. Here's how the mechanism works, with a worked example and why time matters most.
Read article - Credit & Debt
Revolving Credit and Overdrafts: How to Avoid a Debt Spiral in Your Twenties
Revolving credit, overdrafts, mini-loans: understand the traps, the protections you have, and how to file an over-indebtedness application if you need to.
Read article - News
Livret A, LDDS, LEP in 2026: Rates, Ceilings and the 1 August Review Explained
The Livret A has paid 1.5% since February 2026, the LEP 2.5%: here's how the rate is calculated and which passbook account pays the most.
Read article - Savings
Emergency Fund: How Much to Set Aside (and Where to Keep It) When You're Starting Out
How much should you keep as an emergency reserve, and which account should it sit in? France's central bank benchmark, explained simply.
Read article - Budget
Budgeting app or spreadsheet: which should you choose to track your spending in 2026
Connected app, spreadsheet or offline app: an honest comparison to pick the tool that will actually help you track your spending.
Read article - Budget
Decoding Your Bank Statement and Its Fees: What the Bank Doesn't Explain
Learn to read your statement line by line, spot every fee, and know which ones are capped, avoidable, or disputable.
Read article - Budget
The 50/30/20 rule: how to actually make it work on a tight budget
The 50/30/20 rule promises a clear budget in three buckets. But when rent already eats half your income, here's how to actually adapt it.
Read article - Budget
How to manage your budget when starting out: the complete guide (student and first paycheck)
The complete method to manage your budget at 18 to 30: vocabulary, steps, worked examples, and where to keep your savings.
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