Finance writer at Allin
Personal finance and tax, property, company accounts and marketing metrics
Camille has spent over a decade turning money questions into plain-language guides — household budgets and tax first, then the same work on the numbers a business, a landlord or a marketing team lives by: covenants and coverage ratios, rental yields and notary fees, acquisition cost and lifetime value. Every figure in her articles is traced to the instrument that sets it, with the year it applies to.
On tax and money topics, Camille works from institutional sources and the regulations themselves rather than from secondary write-ups. Amounts, thresholds and rates carry the period they apply to, and a figure that changes every year is tied to the year it belongs to instead of being left undated.
Ranked by how many pages of this site link to them, not by traffic.
Guides published under this byline in each section. Each link opens the section in full, across all writers.
· 13 min read
End minus start minus break is the easy part. Whether a break is paid and whether it counts as working time are two different questions with different answers by country — plus rounding, where timesheets actually go wrong, and what the tool does with a shift that crosses midnight.
· 11 min read
Nine absences give five different rates depending on what you divide by — scheduled days, sessions, weekdays, calendar days, or a part-timer's own diary. What the tool computes, the three places it misleads, and why the Bradford Factor makes short repeated absences look ten times worse than one long one.
· 11 min read
The addition is the easy half. Turning balances into the fewest possible transfers is a different, and much harder, computation — and the tool's own note claims a minimum it does not deliver. Plus uneven shares, and why the awkwardness is ambiguity rather than money.
· 10 min read
The number is large because it is a daily number multiplied by 260 or 365 — and the same arithmetic works on anything daily, which is the part worth keeping. With the home-brewing comparison done properly, and a plain statement of what the number is not.
· 11 min read
The addition is trivial. What people miss is the annual plan billed once, the trial that converted, the conversion fee on a service billed abroad — and the break-even month that decides whether a yearly plan was ever a saving.
· 10 min read
Salary is not the cost. The ticker applies no loaded-cost multiplier of its own, so the rate box is where you have to put it. And the number is for one comparison: a recurring meeting against the written update that would replace it.
· 12 min read
The hourly rate is the small part. Minimum hours, the late-return surcharge, the ride home — and the question that changes the number most: casual help, or a declared employee? Six markets, named, with the thresholds that could be verified.
· 12 min read
A local two-bedroom move estimates at $954–$1,347. Four boxes ticked on a three-bedroom move — peak week, full packing, two flights, full-value cover — take it from $1,730 to $3,162. Quotes differ on exclusions, not on price.
· 17 min read
Score both wrappers on the same rows and the pension plan wins the arithmetic at almost every horizon and almost every combination of tax rates — including when the rate does not fall at all. Which is exactly why the deduction is the wrong thing to decide on.
· 17 min read
The product paying the second-highest headline rate finishes last, and the reason is a tax change that took effect in January 2026. The three French savings vehicles scored on identical criteria: rate, tax, net return, real return, and what each one costs you in access.
· 13 min read
You do not need a penalty clause. A European directive gives every business creditor a statutory interest rate and a fixed recovery sum, both due automatically, and a term in the contract trying to take them away is void or presumed unfair. Here are the current rates and what they produce on a real invoice.
· 14 min read
The usual advice is that a buy-back gets worse with age, because the price rises. The French scale is written to be actuarially neutral, so that is not quite what is happening — and once you see what actually moves the answer, the decision changes. Computed on the current parameters.
· 17 min read
The same company, the same year, reads 1.02×, 1.52× or 2.56× depending on where rent is put and whether principal is grossed up for tax. Two of those pass a 1.25 covenant and one does not.
· 14 min read
A missing quarter in France costs you twice over, through two separate mechanisms that most explanations mention only one of. A German point is a single arithmetic step and much easier to price. Both are computable, and the 2026 figures changed more than usual.
· 15 min read
Overpaying earns exactly your mortgage rate, certainly and untaxed. An investment must therefore beat that rate divided by one minus the tax on its return — which at a 3.2 % mortgage means 4.57 % in a French ordinary account and 3.20 % inside the German savings allowance, before any reward for taking risk.
· 15 min read
Two regimes get merged into one paragraph everywhere, and they behave nothing alike. Selling a service to a business abroad and selling to a private customer abroad are governed by different articles, different thresholds and different filings. Here is the split, with the current figures.
· 13 min read
The rule of thumb everyone repeats — one point of rate gap — is not a rule and gets the timing wrong. What decides it is how much interest you have not yet paid, and the three countries answer the cost side in three completely different ways. Here is the arithmetic, computed.
· 16 min read
The 183-day rule is the most repeated and least understood sentence in cross-border work. It comes from one article of one model treaty, it has three conditions and not one, and it decides nothing at all about social security, payroll or your employer's exposure. Here is what each rule actually tests.
· 13 min read
Net sales divided by net fixed assets is one of the easiest ratios to compute and one of the least comparable. The same retailer scored 10× before the lease standard and 1.39× after it — same shops, same sales, same year.
· 13 min read
France caps the total cost of a mortgage at one third above the market average, insurance included. Portugal caps the monthly repayment at a share of net income — and on 1 August 2026 it cut that share from 50 % to 45 %. Neither ceiling means what the headline percentage suggests.
· 13 min read
Return on assets, return on net assets and return on capital employed are one family with two moving parts. On the same balance sheet they read 8.3%, 10.2% and 15.6% — and the two steps between them are exactly the two decisions you are making.
· 17 min read
The heating bill is real and it is small — about a fifteenth of the fuel a car commuter stops burning. The balance only goes negative in three identifiable cases, and one of them is a season ticket. Priced from Eurostat energy data, with the German tax system pushing the other way.
· 11 min read
France tapers the tax on a property gain to zero over twenty-two and then thirty years. Spain does not taper at all for anything bought after 1994. Portugal has no taper either — it has an inflation index and a fifty per cent haircut, which is a different animal entirely.
· 16 min read
The numerator is on your own invoices. The denominator is the problem, and the usual fixes make it worse. How to build one from what you can actually observe, why the served market and the total market give answers a hundred times apart, and why a share on the wrong denominator is worse than no number at all.