Better finances
The editors’ savings tips: “Saving doesn’t have to hurt!”
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Most of us have to save because our salary is too small or our wishes are too great. Or because retirement provision is tight. Here are 9 savings tips from the editorial team.
Saving is always a good idea: not least because times can come when we urgently need money. And if we don’t need it, we waste it on fulfilling our life’s dreams. Not wrong either. We asked the editorial team how our colleagues save – here are 9 answers:
Flea markets are my mecca
“Saving doesn’t hurt if you combine it with something fun: I like going to flea markets, I always find a treasure there. I usually try to get what I need second-hand and sometimes go with one Shopping list at the flea market. Nice side effect: I often find things that have unique character, like my vases from the 60s.”
Clothes swap party: advice included
“I always look forward to the clothes swap evening with my friends: everyone brings bad purchases and clothes that no longer fit. Then a funny mess begins, honest advice is included. At the same time, we eat and drink a glass to life – ans None of us think about saving.”
Keep an eye on your account balance
“A few years ago, I got into the habit of not letting my account balance fall below a certain amount. I set the amount anew every month. This way I remain flexible if, for example, I incur additional expenses due to a vacation or something similar. If I… At the end of the month, when I notice that it’s getting tight, I change my habits – for example, it means cooking more for myself instead of going out to eat or having a girls’ night at home instead of drinking cocktails in a bar. That requires a little self-discipline, but it works But surprisingly good for me.”
Spread bread in the morning
“We have a great canteen at our publishing house with a tempting breakfast menu – but spending one or two euros every morning on a sandwich or yoghurt is actually nonsense. Extrapolated over the course of a year, this luxury breakfast almost amounts to a short holiday. That’s why I pay Just make me some bread in the morning or prepare it the night before Overnight oats. And I’m planning my next weekend trip in my head.”
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Use capital-forming benefits
“I take advantage of the capital-forming benefits offer and top up the employer’s subsidy to a good round amount.”
Let small animals make messes
“My friend and I collect our 1 and 2 cent pieces in a jar and take the money to the bank every few months. Small sums of money accumulate unnoticed, which we are always happy about.”
Cycling and jogging
“Bike instead of car or public transport, jogging instead of the gym: I save a lot by cycling almost all my journeys in the city instead of using a car or public transport. It also keeps me fit, just like mine Jogging laps in the park. I also save money by running: fees for the gym or for sports courses.”
Reminder: Cancel contracts
“Due to acute procrastination and forgetfulness, I have often paid too much for cell phone contracts or gym memberships in the past. That no longer happens to me. I use my cell phone to remind me that I have to cancel my contracts. New contracts or loyalty bonuses “They’re often much cheaper and you save a lot.”
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