September is the time for a fresh start!
The holidays may already seem a long time ago, but the university year has only just started. Wasn’t it great to be able to switch off your alarm, spend time...
As soon as you start earning money, day-to-day costs also suddenly increase as you are no longer entitled to many benefits or student rates. For example, you are no longer insured by your parents’ liability insurance, child benefits fail to materialise and you need to start paying back your student loan (if you took one out).
Although you might be overwhelmed by the many costs stacking up, it’s important to look to the future and check off the following two points:
MIA is free, sorts your spending into categories and automatically calculates how much money you still have left per month.
It doesn’t sound very appealing to think about old age now, does it? That’s true, but if you want to enjoy your retirement and newly-won freedom with holidays and all the associated benefits, then you've got to think about it. State pensions are nowhere near enough to be able to give you the standard of life you want in old age.
Thanks to a private pension scheme, you provide for your future with regular savings deposits. When the agreement matures, at the earliest at 60, you have the option of a one-off payout of the collected assets of a payout in the form of a monthly payment (for the entire amount or a partial amount of the collected assets).
You also already get something from your private pension scheme today! You can offset a maximum of 3.200 euros of premiums paid against your taxable income per year.
You don't want to spend eternity living with your parents or paying rent? Then you'll face the question of buying your own home one day! With a building loan agreement, you can save to purchase, build or renovate a home over several years. Here are three good reasons why you should take out a BHW building loan agreement: