Financial freedom for Bremen: Tips for a better budget book!

Financial freedom for Bremen: Tips for a better budget book!

At a time when prices are constantly rising and many people find it difficult to make ends meet with their income, keeping track of your own finances is more important than ever. Parsya Baschiri, head of the consumer law team at the Bremen Consumer Center, has put together some valuable tips on how citizens can keep their finances better under control. Keeping a household book plays a central role here. This not only helps you keep track of your own income and expenses, but also promotes awareness of savings opportunities.

But what is the best way to proceed? Baschiri recommends first carefully documenting all expenses. This includes not only regular bills, but also smaller purchases, such as the weekly shop. Especially when budgeting, it is essential to know where the money is actually going. To calculate the available monthly budget, fixed expenses such as rent and energy costs should be compared with regular income. This provides clear information about how much money is available for varying expenses.

Set the right priorities

Bashiri also has clear ideas about how priorities should be set. First there are the essential expenses such as rent and energy consumption. There is no room for maneuver here, as residues can quickly lead to serious problems. Rent payments can result in termination, and electricity and gas can also quickly be turned off if the amount exceeds 100 euros. Therefore the motto is: rent and important bills must always be paid first.

Another recommended measure is to regularly check debits. You should look closely at your own bank statements and telephone bills in order to report unauthorized debits as quickly as possible. The consumer advice center can offer valuable support here.

Protection in the event of financial bottlenecks

For those who are already in financial difficulties, there is the option of setting up a seizure protection account (P account). This protects the balance against seizures up to a maximum of 1,560 euros per month. Converting your checking account into a P account in a timely manner ensures that a certain amount is available even in difficult financial times.

If you would like to find out more about the details or need support, you can find the Bremen Consumer Center in Blumenthal, which offers free consultations on Wednesdays from 10 a.m. to 1 p.m., without an appointment being necessary. Here you can also find out what keeping a budget book looks like and what steps are necessary to get your own finances on track.

In summary, it shows that careful handling of money and setting priorities in payment behavior are crucial. A budget book is an excellent way to sustainably improve your financial situation. How important this is is shown by the current situation of many people who sometimes feel that they are in a tight financial situation due to rising living costs and unforeseen expenses.