Budget & saving · Module 8

Where does
your money go?

A budget is the basis of any financial planning – and the first step.

◔
Gaining the overview
Three pots

Your three pots

Fixed costsrent, insurance, subscriptions
Variablefood, leisure, shopping
Savingwhat's left – ideally first
How to do it

In three steps

Incomegather it all
→
Spendingrecord a month
→
Overviewcompare

Four weeks of recording is enough for a first overview.

With or without

Control instead of flying blind

With a budget

You know what's possible and steer toward your goals.

Without a budget

Spend and hope – at month's end often nothing's left.

ClaritySaving goalsControl
Stick with it

Keep it simple

Simplerough categories are enough
Regularcheck briefly each month
Toolapp or spreadsheet
Good to know

Do you know your numbers?

💡 First step: A budget is the basis of any financial planning – only when you know your numbers can you sensibly save, insure and provide for the future.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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