Credit Utilization Ratio Explained: How to Calculate It
Credit utilization is a simple ratio of what you owe to what you could borrow. Here is how to work it out, why per-card figures matter, and how to lower it.
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Plain-English guides to the numbers in everyday life: how a calculation works, where people go wrong, and which tool to reach for.
Cubic Feet, Cubic Yards and Cubic Metres: Converting Job Volumes
Bags are labelled in cubic feet, trucks deliver cubic yards or cubic metres, and depth is in inches or millimetres. These are the conversions that tie them together.
Daylight Saving Time: Why Some Days Have 23 or 25 Hours
When clocks change, a local day is no longer 24 hours. Learn what shifts, how it alters durations and meeting times, and how to calculate safely.
Debt Snowball vs Debt Avalanche: Which Payoff Method Wins?
Both methods pay debts off one at a time. One saves the most interest, the other clears the first debt sooner. A worked example shows the real size of the gap.
Debt-to-Income Ratio: How to Calculate It and What Counts
Lenders compare what you owe each month with what you earn. Here is the formula, which payments count, and how a new loan would change your ratio.
Dollars Off or Percent Off? Comparing Coupons, BOGO and 3-for-2
Different deals are quoted in different units. Convert each to a percentage of what you would pay and the best offer becomes easy to spot.
Estimate Your One-Rep Max: Epley, Brzycki and Their Limits
You do not need to grind out a true single to know roughly how strong you are. Two simple formulas turn a set of 3 to 10 reps into a one-rep max estimate.
How to Estimate the Fuel Cost of a Road Trip
Distance, fuel economy and pump price are all you need to budget a drive. Here is the formula, a worked example in miles and in kilometers, and how to add a buffer.
How Many Extra Sales Does a Discount Need to Pay for Itself?
Discounts cut the profit on every unit, so you have to sell more just to stand still. Here is the formula and a table showing how fast the required volume grows.
How to Find a Percentage of Any Number by Hand
Percent just means per hundred. Learn the decimal method, the 10% building-block method and the swap trick, then check each answer in seconds.
How to Find the Day of the Week for Any Date in Your Head
The doomsday method turns weekday-finding into a few small sums. Learn the anchor dates, the century table and two worked examples you can check.
How to Find the Original Price Before a Discount or Tax
If a coat costs 60 after 25% off, the original price is not 75. Here is the one-step division that undoes a percentage change correctly.