Emma Carter
Financial Editor at Blackcat
Covers personal finance, digital payments, and financial products across the EU and UK. Turns complex financial topics into clear, practical articles for everyday users, freelancers, and creators.
About the author
Emma is part of the Blackcat content team and covers topics related to personal finance, digital payments and financial products in the EU and UK. She works on research, structure and editorial quality to ensure articles are clear, accurate and useful. She works closely with product and compliance teams to turn complex financial topics into clear, structured articles for everyday users, freelancers and businesses.
What Is Phishing? How Modern Phishing Scams Work
Ask around, and the standard answer to what phishing is hasn't moved much since about 2010: bad spelling, a stranded prince, a link nobody sensible would click.
How to Build an Emergency Fund Without Tracking Every Coffee
You've decided you want an emergency fund. You've also tried, at least once, to track every euro you spend to get there – and it lasted about eleven days before the receipts, the app notifications, and the guilt about a spontaneous coffee all became too much to keep up with.
Why a 12-Month Fixed Term Deposit Is the Wrong Tool for a Short-Term Savings Goal
You're saving toward something with a rough date attached – a wedding deposit, a house move, a career break – somewhere under a year out. In this scenario, an ad promising up to 3% annually on a 12-month fixed term deposit looks tempting.
Cashback vs Points vs Miles: Which Rewards Actually Pay Off in Europe?
Reward cards are easy to compare on earn rate and hard to compare on anything else. A card quoting 1 point per euro looks like a near match for one paying 0.5% cashback, yet realised returns can differ threefold.
Euro Card for Everyday Spending in Europe: What to Check
Most of us choose a card for reasons that have nothing to do with how it performs: the colour, a headline cashback number, the word free. Or follow our friends' choice.
Apple Pay Card Setup: How to Add a Payment Card
Your Apple Pay payment card is, in effect, a secured digital twin of the card in your pocket. Apple Pay is a mobile wallet built into your iPhone or Apple Watch. Instead of pulling out a card, you hold the device near a terminal and confirm with Face ID, Touch ID, or your passcode.
