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In every household book as an income-expenses tracker, all entries should be assigned a category. This enables a precise analysis of income and expenses. What recommended categories are there in a household book? In a household book, the most important topics for categorization are: Living, Eating and Drinking, Communication, Transportation, Mandatory Contributions, Health, Leisure and…

Do you know your monthly expenses? These can be divided into a variable portion and a fixed portion. Variable costs can be quickly changed by behavior modification, while fixed costs are incurred regardless, are consistent from payment to payment, and are usually only influenced by major changes. In this article, I will show you how…

It often takes several weeks before a well-kept household budget becomes a habit. But how long do you have to persevere at least so that your household budget really delivers meaningful results? A household budget must be maintained for at least three months to provide meaningful results for smaller expenses or everyday saving potentials. For…

I have been keeping a household budget since 2013. This means that I write down all the income and expenses of a month and categorize them. Regularly maintaining a household budget definitely requires some ambition and effort. Is this time investment worthwhile?  The benefits of personal income and expense tracking lie in the precise recording…

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