MoneyHub

Online fraud: how can I protect myself?

Hacker or scammer with a desktop looking to defraud someone.

We are all in the middle of a cost-of-living crisis and a boom in online fraud and scams. Here are the key traps to be aware of right now—and how to protect yourself.

Investments jargon buster

Picture of Tallinn's financial district

Don’t let terminology put you off. Check out the MoneyHub jargon-free guide, and you’ll soon see that investing is not as difficult as it seems.

Financial literacy

Financial literacy

In a comparison of 30 countries, Estonian residents were in third place in terms of their financial knowledge. But …

Falling into a debt trap

laenulõks

Once you’re in debt, it’s very easy to get caught in a cycle of borrowing or a debt trap. And it all usually starts with good intentions.

Alternatives to borrowing money that doesn’t include your friends and family

Man lending his friend money

It can be tempting to ask friends or relatives to lend you money, yet many of us hate borrowing money from friends and family. You need to carefully consider whether you can afford to repay the loan and can cope with what might happen if you can’t.

Borrowing from a family member can provide emergency money and help you avoid forms of borrowing with very high interest rates, like loans and overdrafts

If both parties are confident it will not harm a relationship with a family member if you don’t repay, this is a good option as it usually is interest-free.

If you’re borrowing from a friend, be aware that if you don’t repay, this could end the friendship.

8 reasons why you should NOT lend money to friends & family

Family saying no

Loans between family members or friends can result in an entirely unexpected set of problems. Consider why you should not lend money to friends and family and some tips to help you with damage control if you do agree to loan money.

Loans to family and friends are open-ended. The parties don’t reach an agreement on a repayment timeline and don’t include interest on the loan. Lenders don’t know when their money will be returned, and borrowers don’t know when to repay the loans.

This leaves both parties in limbo and doesn’t set any expectations. The uncertainty can lead to stress as the borrower may worry that the lender expects payment, and the lender worries about when he or she will be repaid. When I loaned money to a family member, it delayed my decision to buy a house.

Is cat insurance worth it?

cat insurance

Cats may have nine lives but still need the right care if they get sick or injured. Vet bills can quickly mount up, but pet insurance can help cover these costs and ensure your cat receives the best care possible.

Goodbye role-based salary! Hello skills-based pay!

skill based pay

One of the biggest changes we’re seeing is the move from traditional role-based salary structures to skills-based pay models. There is a growing recognition that an employee’s skills are often more valuable than their job title.

Common investment mistakes to avoid [Updated 2025]

Common investment mistakes to avoid

Despite learning the lessons of history, there are still plenty of common investment mistakes that investors perform. Our updated 2024 guide will get you started for building a prosperous investment portfolio.

Comparing gyms in Estonia

Picture of gym equipment

Finding a fitness or health club that will meet all your personal targets and help you stay motivated requires asking some key questions, and being realistic and upfront about your goals.

But how do you find the right gym?

What should you be looking for? Price? Equipment? Location?

Finding the ideal gym to aid you in reaching goals is challenging, so here is an overview of a list of gyms to help you get started.

Myfitness
Myfitness is Estonia’s biggest sport and fitness club chain, allowing customers to use their 13 different centres in Tallinn simultaneously, with a further five located around Estonia—(Three in Tartu, one each in Viljandi and Narva). Myfitness is very popular among locals because it offers a variety of classes (Cardio, Strength, Body and mind and children) combined with well-equipped gyms with dedicated personal trainers.

It has something for everyone!

Why do so few women do investing?

Why do so few women do investing?

Why do so few women do investing? Very few women invest, yet when they do, they statistically outperform men. Why then, are not more women investing?