1
We start with a real reader problem
Every guide starts with a genuine question — one we've seen asked repeatedly, or one we've faced ourselves. We don't write about topics just because they have high search volume.
2
We research the full landscape
We read consumer reports, regulatory filings, academic research, and user reviews. For financial topics we consult primary sources — CFPB, FTC, state insurance commissioners — not industry PR.
3
We compare options fairly
We evaluate every option against the same criteria. Our picks are based on what we'd recommend to a family member — not what generates the highest commission.
4
We disclose affiliate relationships clearly
When a guide includes affiliate links, we say so at the top of the article. The commission we may earn never influences which product or service we recommend — only our research does.
5
We update when facts change
Prices, regulations, and product availability change. We review our most-read guides regularly and update facts, dates, and recommendations as needed. Every updated guide shows the revision date.
Our Affiliate Policy
The Friday Journal earns commission from some links in our guides. This income allows us to operate independently without paywalls or display advertising.
Our editorial team has no visibility into affiliate rates when writing or updating guides. Product and service recommendations are made by writers, not our commercial team. If we recommend something, it's because we believe it's the best option for our readers — full stop.
Corrections Policy
If you spot an error in one of our guides — a wrong figure, an outdated recommendation, or a factual mistake — please contact us. We take corrections seriously and will update the article and note the change at the bottom of the page.