05.10.2026
Are you a conscious saver or is your attitude that “money is there to spend”? Answer eight questions to find out how well you actually manage your finances in everyday life.
You can also find useful tips and tricks on budgeting and saving in our newsletter.
Type 1: The conscious saver
Saving money comes naturally, and you know exactly how to do it. You think about purchases carefully and spend your money wisely.
Our tip: Don’t ban everything. A little luxury from time to time is absolutely fine. If you’re not yet investing your money, it may be worth taking a closer look at investing and checking which investment solution is best suited to your goals.
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“Everything under control”
You manage your money consciously: save, yes, but in moderation. You know how to allocate your money so that when possible, you have as much left over at the end of the month as you had planned.
Our tip: If you don’t need some of your money in the long term, check whether you’re investing in line with your goals and risk appetite. Even small amounts can be a good first step.
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“It depends”
You find saving sensible, but difficult. You’re familiar with the basics of managing money, but don’t consistently apply them. You treat yourself to things from time to time and pay less attention to the cost.
Our tip: It’s worth setting a fixed household budget. This will help you keep track of costs, take advantage of your savings potential and leave more money for your actual goals.
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The spontaneous pleasure seeker
You like to live in the moment and treat yourself to whatever makes you happy. Sometimes you lose sight of your long-term financial goals. With a few adjustments, you can plan your finances better and give yourself more financial leeway.
Our tip: It’s difficult to get started. Start small: create a simple budget or set up a standing order to transfer a fixed amount to your savings account each month.
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Why do we sometimes find it difficult to make sensible purchasing decisions? And why do offers like “Buy now, pay later” seem so tempting? In this podcast episode, a debt prevention expert explains how consumer behaviour comes about and how you can recognize everyday hidden-cost traps.
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