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Francia
Joined February 2019
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The subscriptions that bill once a year are the ones you never decide on twice. 📅
A domain, the hosting, the accounting tool, the professional insurance. Each arrives on its own, eleven months after the last thought you gave it, and letting it through is always easier than working out whether you still use it.
Put the annual ones on a Bitsa card of their own, loaded with what you have decided they are worth this year. Each renewal then has to fit inside a number you chose on purpose. 💳
#Freelance #Budgeting #PersonalFinance
ALT A closed plain manila folder on a wooden desk with a pen and a white mug.
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A business cannot charge you extra for paying by card, and the rule is narrower than it sounds. 💳
Where EU law caps a card's interchange fee, the business must not ask you for a charge for using it. Same for euro transfers and direct debits.
Three things sit outside that cap: commercial cards issued for business expenses, cash withdrawals at an ATM or a counter, and cards from three-party schemes.
Where a charge is allowed, it still cannot exceed what that payment method costs the business.
Have you been asked to pay extra for using a card inside the EU? 👇
#PersonalFinance #MoneyTips #ConsumerRights
ALT A hand holding a plain burgundy payment card with a gold chip over a wooden shop counter, a card terminal beside it.
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Since 19 June 2026, leaving an online contract has to be as easy as entering one. 🛒
EU rules make the trader show a withdrawal function labelled “withdraw from contract here”, prominently placed and available throughout the withdrawal period.
Submit it and you are owed an acknowledgement on a durable medium, with the content and the time it was sent.
You withdrew in time if you submitted before the period ran out.
The limit: it only exists where you have a withdrawal right in the first place.
#OnlineShopping #ConsumerRights #PersonalFinance
ALT A hand resting on the brass lever handle of a half-open green door.
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A train that arrives late in the EU has a price list, and it starts at 60 minutes. 🚆
60 to 119 minutes late: 25% of the ticket price back. 120 minutes or more: 50%.
What else those rules hand you, and where they stop, below.
ALT A compact grey cabin suitcase standing upright next to a takeaway coffee cup on a pale wooden bench.
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The compensation is money if you ask for it. 💶
Vouchers only count if the terms are flexible, and fees cannot be deducted from it. An operator may set a minimum, capped at 4 euros per ticket.
It is due within one month of your request.
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The limits worth knowing: nothing is owed if you were told about the delay before you bought, if re-routing keeps you under 60 minutes, or where the cause was extraordinary circumstances outside the running of the railway.
And a country can leave urban, suburban and regional services out.
Longest delay you have had: did anyone mention the 25%? 👇
#Travel #DigitalNomad #ConsumerRights
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You are the one whose card is on the shared plan. 💳
The family streaming account, the five-person team tool, the flat's internet. Other people owe you their share, and the transfers they send land in the same balance as your groceries.
By the time the renewal arrives, two shares are outstanding and nobody can tell, least of all you.
Put the shared bill on a Bitsa card and load it with what people have actually sent you. The month a share does not arrive, the charge does not go through, and the conversation happens before the renewal instead of after it.
#Budgeting #RemoteWork #PersonalFinance
ALT Three mismatched plain ceramic mugs grouped on a light oak coffee table at night under a warm lamp, a folded wool blanket behind them and a charcoal grey payment card with a small gold contact chip lying flat in front.
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A company cannot tell you which country your account has to be in. 🌍
Under EU rules a payee accepting a transfer, or collecting by direct debit, may not specify the Member State where your payment account sits, as long as that account is reachable. It binds you as a payer too: you cannot require the person you are paying to hold their account in a particular country.
Every country names an authority responsible for enforcing it, and the penalties have to be effective, proportionate and dissuasive.
The limit: transfers and direct debits in euro. Card payments and cash withdrawals fall outside.
Has a landlord, a gym or an insurer ever pushed back on your IBAN? 👇
#DigitalNomad #Freelance #WorkFromAnywhere
ALT A small ring of plain brass door keys resting on folded natural linen next to a slate blue payment card with a small silver contact chip.
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A shop you've never bought from is asking for your card details.
Give it a Bitsa virtual card loaded with the order amount.
The rest of your money never meets that site.
Download Bitsa.
#Bitsa #PayYourWay
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From 20 November 2026, Member States apply the EU's new consumer credit rules. 🛒
Pay-later at a checkout sits outside them on three conditions: the shop itself gives you the time to pay with no third party offering the credit, no interest and no charges beyond limited late-payment ones, and the whole thing settled within 50 days of delivery. For a large seller doing distance sales online, that window is 14 days, not 50.
Miss one of those and it is a credit agreement, which carries 14 calendar days to withdraw with no reason given, counted from the contract or from the day you received the terms, whichever is later.
#OnlineShopping #ConsumerRights #MoneyTips
ALT A plain unprinted kraft paper shopping bag and a smooth cardboard box standing side by side on a pale stone kitchen counter in bright daylight.
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Switching to another payment account is not a job you do yourself. EU rules put it on the provider you are moving to. 🏦
One authorisation from you, and it has two business days to go and ask your old provider for everything.
Five more things that switch runs on 👇
ALT Two plain payment cards, one deep burgundy and one forest green, each with a small gold contact chip, lying overlapping on a dark walnut desk beside a monstera leaf.
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Your old provider is not allowed to block your payment instruments before that date.
A switch is not permitted to leave you without a way to pay while it is going through.
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If a provider's failure to follow those steps costs you money, charges and interest included, it has to be refunded without delay.
The limit: same currency, and both accounts in the same country. Moving abroad gets you a list, your balance and a closure, not the full switch.
Ever run one? 👇
#PersonalFinance #MoneyTips #Freelance
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You moved. A handful of payments did not. 🌍
A storage unit you meant to empty, the phone line you keep because one institution still texts it, something billed to the old address. Each is small, and none of them is ever the thing you sit down to review.
Put the leftovers from the old country on a Bitsa card of their own, loaded with their monthly total. A month later, what still having a foot there costs you is one number. 💳
#DigitalNomad #WorkFromAnywhere #Budgeting
ALT A closed brushed-steel padlock hanging from a plain metal latch on a forest-green painted door, photographed close in soft daylight.
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