Budget & saving · Module 8

How much should
you save?

The key trick: save first, spend later.

◔
Save reliably
The rule

10 to 20 percent

10–20 %of income as a guide
Fixedset a clear rate
Consistentevery month, automatically
The trick

Save first

Save first

Divert the amount at once – the rest is to spend.

Save the rest

At month's end usually too little is left.

Standing orderSeparateAutomatic
How it runs

Automatic instead of random

Paydaythe pay arrives
→
Divertstanding order to savings
→
Growwealth builds up

What you don't see, you don't spend.

More is always possible

Raise the rate

Pay riseraise the rate along with it
Step by stepsmall jumps, big effect
No sacrificeyou don't know the money yet
Good to know

Is your savings rate right?

💡 First step: How much and where you save decides your financial freedom – best automatically and aligned with your goals.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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