Two or three Nettogehalter should be available in the short term without losses, for example on a day money account. Then you come in the position to take expensive dispo interest claim. The saved money is available for the pension available. 5. tax declaration submitted many citizens no tax return, in the belief that the effort is not worth. Often a mistake. Achieve high tax refunds can be in terms of exceptional charges”.

Including E.g. for disease, care by relatives, or cost of funerals cost. Last but not least through again full reimbursement of the commuter lump sum, the tax return should be interesting. 6 who creates VL-saving money into capital-forming payments (short VL), benefits and saves several times. Often it works also without own financial application. Because many employers VL are part of the employment contract or tariff, or a voluntary service.

Also pays the State an annual premium, the Arbeitnehmersparzulage, and that for the entire period. VL contracts is wonderfully suitable for small or medium-sized acquisitions. A well landscaped VL contract can bring up to 10,000. The perfect deposit for the next car. Money you can comfortably save in this way, no additional interest costs due to loans. More money, which in turn is to save in a pension available. 7 investments considered be has always been the market passbook, money or federal Treasury letter offers only low interest rates, which is why many investors now put their money in funds or shares. Should you this but remember, what investments are different: higher profit opportunities in stocks and funds go hand in hand with a considerably higher risk of loss. Make only plants, their risk of loss you may also wear according to your income and your life situation. 8 hidden costs almost everywhere you see cost, man on first glance may not recognizes. Take the time for the fine print”. Often, an offer cheap at first glance proves to flop. Win an eye out for hidden costs. This saves you lots of money, what you lack anonsten. 9. the Riester pension: pension for little money! The State encourages savers of the Riester pension allowances, and depending on the income with tax advantages. Give no Riester allowances! Privately, you can “riestern” Fund, bank savings plans and Versicherungennd already 5 month. Also “riestern” of the employer, or for the home is possible. The Riester-rente is Hartz IV and secure attachment. Martin Sohn