# 1 Motivate to save
Hardly anybody is by nature a passionate saver. Our body chemistry is also to blame for this. 10 euros more in the account? This is rarely rewarded with an endorphin output – quite different from hectic online shopping late at night in bed. It is therefore crucial that you always have the goal of saving money firmly in view. These can be specific expenses, for example a nice vacation, the house as old-age security or the tuition fees for the children. But saving against consumerism, which only leads to full cupboards and a guilty conscience, can be a driving force.
Here it is crucial that the reason for saving is made clear not only rationally, but above all emotionally. How will it feel when the goal is achieved or the debt is finally paid off? The short-lived shopping euphoria probably immediately gets a bitter aftertaste. Even the effort that requires serious saving suddenly no longer seems so daunting.
# 2 Debunk secret money guzzlers
If you want to spend less, you first have to know what the money is being spent on each month. Most people probably have a fairly accurate idea of what they are paying for rent or cell phone plans. But what about other fixed items such as insurance, memberships, subscriptions or fluctuating expenses for online shopping and food delivery?
If you want or need to know exactly, you should write down all expenses for a month in order to have a precise overview of potential savings. But even a rough overview can provide aha moments. The weekday coffee to take away may be a must, the overpriced sandwiches during the lunch break may not be. The same possibly applies to the foreign health insurance that has been paid out for years, although in the summer it always goes to the Baltic Sea.
# 3 create a financial plan
The post of finance minister may not be particularly sexy – but in the end, even the home minister stands at the door as a petitioner. Anyone who wants to control their private money flows needs a budget. The budget compares income with expenditure. This ensures that you only spend what you really want to afford. The same applies here: not every tube of toothpaste necessarily has to be registered. It is enough if the household book defines fixed amounts for, for example, nutrition, drugstore items and leisure time.
# 4 Automate savings
When there is money, people like to spend it. Every act of saving, on the other hand, requires energy. This is unnecessarily overwhelming. The obvious solution is the savings standing order. It creates an artificial shortage of money on the main account. Transfer a contribution to a separate account every month. Important: Stay realistic and start small to avoid payment difficulties and frustration with savings. Those who started cautiously with 50 euros and were able to increase the monthly fee to 300 euros after a year, however, are rightly proud. In this way, the act of saving becomes a motivation in itself.