Budget & saving · Module 8

The biggest
saving lever

Optimize fixed costs once – and profit month after month.

◔
More room
The big items

Where it pays off

Housingbiggest item – review the mortgage
Insurancecompare premiums
Subscriptionscancel the unused
The advantage

Once instead of daily

Cut fixed costs

Optimize once, save lastingly – without sacrifice.

Small sacrifice

Daily going without, small effect, much frustration.

LastingNo sacrificeBig effect
How to do it

Go through it once

Listrecord all fixed costs
→
Reviewquestion every item
→
Saveswitch or cancel

One afternoon a year is often enough.

The compounding effect

Small becomes big

Monthlysmall amounts
Over yearsadd up
Investedcompounding amplifies
Good to know

Where do you lose money?

💡 First step: The biggest saving lever lies in fixed costs – a neutral look often finds several hundred francs a year.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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