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- Save money in everyday life for the beautiful things in life
- Saving tips in the leisure sector
- Saving tips in the field of computers & technology
- Saving tips around the car
- Free apps help save
- Saving tips in the field of finance
Save money in everyday life for the beautiful things in life
Great savings tips: It's easier than expected: Who knows the latest tips and tricks, can save thousands of euros a year! This leaves more money for your dreams ...
There are many ways to save money . It does not have to be the big euro amounts. But if you save a little money here and there, the big sums can come together at the end of the year. So read our savings tips and collect money to invest in beautiful things for yourself and your family .
Saving tips in the leisure sector
Try new products
If you feel like trying new products and sharing your impressions, you can become a product tester at www.trnd.com . Registration and products are free and may be kept.
Shop for calendars
Those who shop cleverly can make nice bargains throughout the year. The secret: buy anti-cyclical. If you buy what you need next spring, you will pay less. For example, wine is particularly cheap in May, electronics are in January, bicycles and garden furniture in February, computer in May, beds in June the cheapest.
Free language course
You can test a language course for free at www.babbel.com . You can choose from Spanish, French, Italian, English, Portuguese and Swedish. Learning by online course - where and how it suits you best. Thanks to the app even learning on the go on iPhone, iPad or iPod is possible. Savings Tip: Try the first course completely for free!
Free handwork courses
Under www.makerist.de, the handwork school on the Internet, you learn handwork in no time . Professional trainers will show you step by step in high quality video tutorials, such as: B. knitted a scarf or a bag is sewn.
Cheaper at sea
So, the dream of a cruise may soon come true: If you are flexible, you can find boat trips at bargain prices at www.restkabinen.com .
Breakfast for free!
More and more bread delivery services offer completely free and non-binding trial deliveries. At broetchen-bringer.de there are three bread rolls in three parts directly to the front door in many parts of Germany.
Sell books
Old books and textbooks are worth money. Simply type in barcode or ISBN on the purchase page www.momox.de. If the proceeds are big enough, you can send the collection for free. Also applies to old CDs, DVDs, games and mobile phones.
Eat twice, pay once
Going out should definitely get a coupon book, which is available for every major city in the bookstore (about 18 euros). The vouchers are for restaurants and cafes and offer discounts on food and beverages.
Free back training
If you suffer from back pain, the free DVD "Your back home school" may help you with targeted exercises. You can request the DVD online at www.kade.de/service .
Free music from the web
A current song costs 99 cents to download from iTunes, Amazon or other vendors. You can also record MP3 files legally and free from web radio stations. The free software Radio.fx (download at www.tobit.com/radiofx ) helps you to search, download and manage.
Use vouchers at online shops
You like to order online? With a coupon or discount code you can eg. B. save shipping costs. You do not have one? Just googling: "Name of the shop + voucher". Then at the order in the field provided.
Saving tips in the field of computers & technology
Fill printer cartridges
Instead of buying new ones, you can also refill your printer cartridges. Average savings: up to 50 euros a year. You will find providers such. B. under: www.refill24.de.
Cheap B-goods
Also cheaper: B-Ware, ie electrical appliances that have only superficial scratches, but otherwise tip-top are (eg www.medion.com, www.amazon.de/warehousedeals ).
Used PC
Second-hand computers are already available for about 100 euros. Dealers with a Microsoft seal are highly recommended here (eg www.recycle-it.de )
Develop photos for free
The best savings tip for all amateur photographers: Many online services advertise with free prints to new customers. An overview of current actions can be found at www.gratisbilder.de
Hood instead of eBay
Great bargains are not only on eBay. The online auction house hood.de requires in contrast to the market leader no fees or commissions. In addition to numerous books and CDs, there are also mobile phones, TVs or game consoles to buy.
Use cheap area code
When calling, you can save up to 50 percent per call! The call-by-call provider (literally: "call for call") are required to announce their connection rate before the call is established - the current area codes can be found at www.teltarif.de or www.billiger-telefonieren.de or in teletext various TV channels.
Saving tips around the car
Free safety vest
At least one safety vest for the driver - better for each passenger another - must be in each car since 1 July 2014. It may be red, orange or yellow and must comply with EN ISO 20471: 2013. With a printed voucher from the internet, there is no charge at the Dekra Westen ( www.dekra-warnweste.de ).
Search for free parking
Local car drivers often pay a lot of money for parking. That does not have to be! The website www.gratisparken.de finds zero-euro parking spaces in all major German cities. If you travel by car to the airport, you will find the cheapest parking spaces at www.billig-am-flughafen-parken.de .
Use Tank App
All car drivers can save up to 20 cents when refueling per liter, if they have the right time. The cheapest in the early evening. Just before 8 pm, prices reached the lowest level of the day. After 20 o'clock the mineral oil companies raise prices by an average of 9 cents per liter. With the free app "refuel" you can get the latest prices.
Saving with EU reimports
If you want to buy a new car, you do not necessarily have to do it in Germany. In many EU countries, popular cars produced in Germany are offered much cheaper. With the right EU reimport car, for example, you can save up to 20 percent on the "VW Sharan"! It costs in the middle equipment Comfortline without further extras 32 875 euro. In the case of car Euro import there is the popular family car for 24 986 euros to buy. In the best case, this is 6695 euros less than the list price!
Free apps help save
miracle purchase
End with advertising waste! This app filters the weekly advertising for products, which everyone sets themselves
Deal Bunny
Shows clearly many bargains in the areas of technology, clothing, home and garden
financial Checker
Helps to keep track of the income and expenditure in everyday life - a really great savings help!
forfone
Free calls and text messaging goes with this app via the Internet and other users
Voucher
Cheap offers for online shops can be easily obtained via the app "Voucher of the day"
Saving tips in the field of finance
Pay for loans
Anyone who has taken out a bank loan, for example, for a property, should not save money, but rather pay special (payments beyond the monthly rate). Because: Savings rates are usually lower than loan rates.
Support for tax purposes
Whether kindergarten, child minder or babysitter - up to the age of 14 child care costs for children are deductible for two-thirds of the tax. Up to 4000 euros per year can be deducted if the child has completed the third, but not yet the sixth year of life. Before and after the care can be discontinued as a so-called household-related service.
Delete unnecessary policies
Cancel expensive or superfluous insurance policies and save up to 500 euros a year. Example: glass breakage insurance. According to the Federation of Insured (BdV), the contributions are too high and the possible amount of damage is too low. If you are not living in a glass palace, you can forget the policy.
Support for adult children
Parents can claim maintenance costs even if they no longer have the right to child benefit. For example, if the offspring is still in education after the age of 25. The tax office recognizes up to € 8, 000 a year as an exceptional burden. This amount also includes health and nursing insurance contributions.
No home savings contract
Despite the historically favorable interest rates, the consumer center warns against new conclusion of a home savings contract. The credit interest is too low. Who wants to buy a property is better with an annuity loan, ie a loan with constant installments.
Deduct travel and travel expenses
Do you work in several places? Then make sure that you bill your costs optimally according to the new rules. You can spend a lot of money on working outside of your "first place of work". Travel expenses include travel expenses, food allowances and accommodation costs. For journeys to the first place of work only lump-sum travel costs count.
Compare the current interest rates
For many banks, the interest rates are clearly too high - up to 15 percent. If you know that you coat more often, change the institute. According to "Finanztest", the best conditions are offered by Deutsche Skatbank (6%) and DAB Bank (6.95%). Incidentally, a recent survey has shown: Around 67 € a year costs a normal use of the MRP. Anyone who constantly covers his account has to pay 483 euros on average.
Cheaper postage for books
At the post office you can send books cheaper than normal parcels. The following applies: Up to 1 kilo: 1.40 euros, up to 0.5 kilos: 0.85 euros. And another important condition: the packaging must be open for inspection.
Glasses on health insurance?
From the age of 18 glasses are no longer a regular benefit of the statutory health insurance funds. Nevertheless, pay some health insurance as a voluntary additional service back up to 200 euros.
Do not forget payroll annual compensation!
On average, you get 823 euros back if you make your payroll annual compensation. Use a program for your tax return, eg. As recommended by computer magazines "Tax Savings Plus". Or get advice from a tax consultant / employment tax assistance association.
We wish you every success with our savings tips !
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