Saving is difficult for many. In everyday life, this is often easier than you think – and sometimes it also helps if you make a challenge or a resolution for the new year out of it. A few fun savings ideas.
The household, the car, the hobbies – for such items goes a lot month after month Money on it. In everyday life save, therefore many think that this is not feasible. But it can succeed if you find a good strategy for yourself.
Save money over the whole year 2022 – This is how it works
Little tricks can help you save a chunk of money without cutting back big time. This can be achieved with these methods:
The 52-week challenge
Challenge is the English word for challenge – and this one lasts exactly one year. Meanwhile, you put aside a certain amount of money every week. It doesn’t have to be a large sum, however, but the euro value corresponding to the respective week in the annual plan. "In the first week it is about one euro, in the second two and so on", explains Sylvia Beckerle, Finanzexpertin with the consumer center Rhineland-Palatinate. More is of course always possible. If you take the euro as a starting amount, you can save up to 1 euro within a year.Make 378 euros.
However, this savings approach is not for everyone. "It is more suitable for people who are very structured in money matters", explains Beckerle. Those who want to follow through with the project can help themselves remember to save away each week by putting tips on their calendar or hanging a plan on a bulletin board.
The 5-euro trick
The trick is very simple: As soon as you have a five-euro bill in your wallet, you sort it out and put it in a small box or piggy bank. Even if this sounds like a precarious thing: "Over the months you accumulate quite a bit of money", says Anne van Dulmen, press spokeswoman at the Association of German Banks. The same procedure works naturally also approximately with two euro pieces or ten euro bills.
"Such an approach can certainly work in practice", Beckerle assesses the savings idea. From their point of view, it is important that the money collected in this way does not remain in a piggy bank. If a certain sum – for example 50 or 100 euros – is collected, then the money should be brought to the bank and deposited, for example, in a call money account. "Then consumers see their savings success in black and white on the bank statement, which motivates them – and it brings interest, even if it is rather meager", says Beckerle.
The "pay yourself" idea
Here it is a matter of upgrading the idea of saving money and motivating oneself through it. Instead of forking out something every month and cutting back on the amount of money available to the household, it’s much more a matter of valuing yourself and consciously making money available so that you can treat yourself to something.
Every month, the consumer therefore transfers ten percent (or more) of his income, for example, to a call money account – a wage to himself, so to speak. "Better to start with small amounts in the beginning", advises Beckerle. If there is still regular money left over from your income at the end of the month, you can always increase the transfers to yourself.
From the financial expert’s point of view, this approach is very practicable in practice. Even 20 or 30 euros a month can add up to a larger amount over the years. This is easily done by standing order. "A fund savings plan may also be worthwhile", adds van Dulmen.