A way has become aware of any retirement despite a small purse that is today privately must provide for the age. However, no age precautionary measures can be taken in many households. Steigene often prevent a private provision for retirement living costs and falling incomes. A way to the pensions despite budget 1 backing up first the here and now off. Kassensturz: Before you looking into this, how much money you will need in retirement, verify what your life situation is currently protected, or whether you operate optimally. Start with a cash. Face all spending with revenue.
Disconnect from unnecessary expenditure, as far as possible. Almost every household pays bills for services that are no longer used. These include for example duplicate and unnecessary insurance, or subscriptions. The savings remains you for your retirement. 2. optimize your finances straight in terms of budgetary cost, one can be Save a lot of money. Most households have to expensive insurance policies, credit cards, or current contracts. May be worth several switching.
Online comparison portals offer a good way to check household costs anonymously, free of charge, on savings. The freed resources can be used for example for saving in a pension. 3. no saving in coated dispo do you your checking account if possible in the plus, and repay your overdraft. You lose money, you pay 9% to 15% per year for your credit, but getting only 2.5% on your deposit. May the dispo balance through an installment loan refinancing is worthwhile! Instalment loans to get starting at approximately 5% interest, and has a scheduled repayment. You have saved money of the unpaid Dispozinsen maybe sometime left for retirement. 4. remain \"liquid\" who does not know that? Suddenly everything comes at once: the washing machine breaks, the car needs to repair, and the mail-order company send already the second reminder. Apply all of your money in the long run.