Your salary is popping, your savings are growing and life is looking good. But we all know it’s easy to slip into a complacency coma and not look for more ways to work your salary to the max. Luckily, you can find everything you need on the internet. Whether you’re a seasoned saver or a complete beginner, there are resources out there to help you make the most of your money.   


A budget is the foundation of any wealth journey. Making a budget is really easy and there are lots of ready-made templates to follow. The envelope method is probably the most popular and effective. 


The method works by breaking down your income into categories and giving every euro and cent a job until you’ve allocated everything each month. It sounds restrictive at first but knowing exactly how much you can afford to spend is much more liberating than living in fear of checking your bank account every month. That’s why we created this guide about how to stop living paycheck to paycheck with a budget. 


To read


Blogs are a useful way to find inspiration or keep up to date with the latest personal finance techniques.

Geldfrau is a financial blog run by Dani Parthum that focuses on helping women to achieve independence through their finances. There are blog posts on everything from financial tips, reviews of financial books, to interviews. From the basics of personal finance to discussions on monetary policy there’s something for every level of knowledge. 


Zendepot is a blog by Holger Grethe, a doctor and investor that focuses on how to help Germans with stress-free investing. We think this site is a great source of practical financial know-how for anyone that want to take their skills to the next level because we know finance doesn’t have to be stressful 


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To watch


Hate reading? Luckily you can learn about finance without reading a single line. Youtube is an amazing resource for learning about money in a fun and approachable way. There are all sorts of different channels to choose from but two of the most popular and high quality youtube channels in Germany are Talerbox Invest Smart and Finanzfluss.  


Talerbox Invest Smart shares Nuri’s vision of helping people get more from their money. There’s only so much you can get from blog posts and these videos can help you to get your head around more complex topics with engaging visuals and tutorials. 


With nearly a million followers, Finanzfluss is your next stop for guided videos on topics varying from quick tips to boost your wealth to diving into the age-old argument of whether to rent or buy in Germany. 


To listen 


Podcasts are a fantastic way to learn more about how you can sharpen up your financial skills. Podcasts like Miss Findependent and Madame Moneypenny have really usef ul tips and topics in a bitesize audio format. We like podcasts because you can turn dead time spent commuting, cleaning or walking into a learning experience with no extra effort. 


r/Finanzen is a Germa n language subreddit where people share their resources, thoughts and experience about personal finance and investing in Germany. It’s a big, responsive community and if you can’t find what you’re looking for from Google or any of our other tips, the chances are that someone here will have posted about it or help you in the right direction. While Reddit is great for learning and finding resources, it goes without saying that you shouldn’t trust the fate of your money to an internet stranger. Be smart and check all tips you receive yourself or with a professional. 


Whether you’re already making progress on your financial journey or just getting started, using a few of these resources will help you squeeze every last bit of value out of your salary. From savings tips or working out which investment options are best for you, the chances are that you’ll be able to learn something that will help you be in a better place financially than you were yesterday.