3。. 限制住房成本。
住房成本不應超過總收入的30-35%。. 因此,如果您的淨工資為1800歐元,則公寓的貸款還款或租金費用每月不應超過630歐元。.
4。. 不要使用信用。
沒有什麼比信用卡更不利於您自己的財務了。. 它們的使用應僅限於緊急情況。. 如果您想花錢購買更大的商品,例如家具,旅行,汽車或裝修,我將列出清單並將其放在冰箱門上。. 確定哪一個對您的家庭最重要,並每月開始儲蓄。.
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