{"id":12123,"date":"2024-04-26T09:00:10","date_gmt":"2024-04-26T01:00:10","guid":{"rendered":"https:\/\/www.infinitysolutions.com\/?p=12123"},"modified":"2024-04-24T17:31:30","modified_gmt":"2024-04-24T09:31:30","slug":"financial-wellbeing-challenge-compound-interest-friend-or-foe","status":"publish","type":"post","link":"https:\/\/www.infinitysolutions.com\/blog\/financial-wellbeing-challenge-compound-interest-friend-or-foe\/","title":{"rendered":"Financial wellbeing challenge: Compound interest: friend or foe?"},"content":{"rendered":"

If you\u2019re a saver, compound interest is your friend, steadily boosting your savings over time. However, if you\u2019re in debt, it is a formidable foe that can have a significant negative impact on your financial well-being. We take a look at how compound interest escalates debt. \u00a0<\/em><\/p>\n

Compound interest: savings booster or debt escalator<\/strong><\/h2>\n

We\u2019ve already covered the benefits of compound interest as a savings booster in this series of articles. The snowball effect<\/a> of compound interest makes it a powerful tool for building wealth and one that savers can use to their benefit.<\/p>\n

Unfortunately, it is also the reason that debts grow and spiral out of control, making billions in profit for credit card companies every year and causing financial distress to many people.<\/p>\n

If you are in the habit of making unnecessary purchases on credit, understanding how compound interest escalates debt may just make you change your ways. Even if you feel that you are in control of your debt, you\u2019re still spending unnecessary money on interest payments. It\u2019s simply not a smart way to manage your finances.<\/p>\n

Compound interest and debt: how it works<\/strong><\/h2>\n

You decide you deserve a luxury breakaway. You can\u2019t really afford it, but that\u2019s what credit cards are for, right? You book the flights and a swanky hotel in a tropical idyll and stick $5,000 on your credit card. \u00a0No worries, it\u2019s only $5,000.<\/p>\n

Compound interest can easily turn a debt of \u2018Only $5,000\u2019 into thousands more, particularly if only the minimum payment is made each month. Here\u2019s how:<\/p>\n

Let\u2019s say your credit card charges interest of 20% APR and the minimum monthly payment is calculated at 4% of the outstanding balance.<\/p>\n

After the first month, interest of $83.33 is added to the debt, bringing your balance to $5,083.33.<\/p>\n

You make the minimum payment of 4%, which is $203.33, leaving you with a balance of $4,880. Your debt has only reduced by $120 despite you paying $203.33.<\/p>\n

If you carry on this way indefinitely, making only the minimum payment each month, it will take you approximately 11 years and 6 months to pay off the debt.<\/p>\n

During this time, you’ll end up repaying a total of $11,300 on a $5,000 debt. That\u2019s $6,300 in interest alone.<\/p>\n

Compound interest as a foe<\/strong><\/h2>\n

It\u2019s clear that, when applied to debt, compound interest is your foe. If you don\u2019t pay the entire balance on your account each month, it can significantly extend the time it takes to repay debt and substantially increase the total amount you repay compared to the original borrowed sum.<\/p>\n

It is also important to note that loans don\u2019t compound annually. They may compound monthly, weekly, or daily. The shorter the interval, the more quickly loan interest will accrue.\u00a0 Credit card interest is typically compounded daily.<\/p>\n

The upshot is that however manageable you think your credit card debt is, compound interest is working against you.<\/p>\n

Prioritise getting unsecured debts paid off, start saving and you\u2019ll be on the flipside, making compound interest your friend, rather than your foe.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you\u2019re a saver, compound interest is your friend, steadily boosting your savings over time. However, if you\u2019re in debt, it is a formidable foe that can have a significant negative impact on your financial well-being. We take a look at how compound interest escalates debt. \u00a0 Compound interest: savings booster or debt escalator We\u2019ve…<\/p>\n","protected":false},"author":2,"featured_media":12124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[5,153,6],"tags":[],"class_list":["post-12123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings","category-blog","category-expatriate-financial-planning","category-5","category-153","category-6","description-off"],"acf":[],"yoast_head":"\nFinancial wellbeing challenge: Compound interest: friend or foe?<\/title>\n<meta name=\"description\" content=\"Financial wellbeing challenge: compound interest is a fantastic friend when applied to savings but a formidable foe if you have debts.Financial wellbeing challenge: compound interest is a fantastic friend when applied to savings but a formidable foe if you have 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