Electricity, petrol and groceries are particularly expensive. Inflation drives up prices. The situation is particularly difficult for many low-income people. You have to wager every penny twice. But families are also having a hard time. Debt counselors warn of a tsunami. It is the impending supply bill partly to blame.
For a few weeks, the counseling centers have registered increased requests for appointments. Demand has risen sharply, says the Federal Working Group on Debt Counseling. In light of the situation, families have come under massive financial pressure, explains the authority, which has about 1,400 public counseling centers in Germany.
How can families save in this situation?
keep a household book
First of all, it is important to get an overview. What is the income and what is the expense?
You enter salary, rental income, child allowance and social benefits under Income. Enter the cost of rent, electricity, telephone, mobile phone, groceries, clothing or memberships under Expenses.
In the next step, it is important to reduce unnecessary costs. For this it is important:
one. Reduce costs through concrete savings targets
You can save up to 20 percent on groceries if you are looking for special offers, shopping with shopping list, using discount coupons or buying your own brands. Paying only with cash can also help reduce impulse purchases and thus keep the receipt small.
However, the following always applies: Do not do without, but choose more specifically. Often you will find branded items with discounts. The goods are often even cheaper than goods without a name. In addition, you can often save a lot on meat, vegetables, sausage, fruit and yogurt in the supermarket in the evening hours.
Set yourself monthly savings goals that you want to meet and document them. When it comes to fixed expenses like rent, electricity or the subscription card to go to work, the shopping options are limited.
b. Cut costs or look for cheaper rates
You can usually cancel a mobile phone or landline charge after the contract expires. Always take a closer look at bills from insurance companies, landline connections, cell phone providers, gyms, streaming services or subscriptions. What rates do you get from other providers at a lower price? What expenses can you eliminate at all?
For example, coffee on the go and breakfast rolls from the bakery cost over 100 euros a month. It is cheaper to make a butter sandwich at home and take the coffee to the office in a thermo mug.
But you can also save on the monthly fitness membership if you train there once every three months. It is better to use season tickets or alternative training offers. There are also family rates or memberships that can be transferred within a family. Such deals are almost 20 percent cheaper than classic individual contracts.
You can also save with your bank account. You can save the monthly fees at other banks or receive services at much lower rates. If you have taken out several loans, it helps to collect the loans. In many cases, conditions are significantly better.
If you have slipped into overdraft and are having trouble getting back into the green zone, you should consider a loan. Interest rates are much lower here.
Be aware of small expenses in the household
IN the kitchen
The electricity costs in the kitchen can be reduced if you regularly defrost the freezer and set up the refrigerator correctly. case study: With a layer of one centimeter of ice, the refrigerator uses 50 percent more power.
When cooking and baking, you can use the residual heat from the hob or stove. A cooking plan can also help. Think about what you want to do next week, and then buy. Not only do you keep track of the costs, but you can also plan better with the leftovers from the day before. For example, you and your colleague just take the food from the previous day to work. This saves you both from going to the canteen. With two meals a day, a family saves 100 euros a month.
- Surf tips: Dishwashers that are dishwasher safe cost between 15 and 30 euros. A similar You can find the offer here.
In the bathroom and on the toilet
Anyone who takes a bath for eleven minutes uses over 170 liters of water and about six kWh of energy. You can save on the shower with water-saving shower heads.
There are models with a save button. When the sick foam, they press the button and the flow stops. Other models light up and warn when water consumption is particularly high due to a higher temperature. Such a model you will find here.
Water-saving shower heads are a little more expensive. This saves between 60 and 120 euros per. person and per. year.
Families can also save on water by flushing the toilet if you use the right model. On average, a person uses ten liters of water per. rinsing.
New toilet boxes have an economy button with integrated flush stop ( for example here). This halves the water consumption per. wash cycle to less than six liters. A family of four can save more than 170 euros a year with the economy button on the toilet tank compared to the classic old model without economy button.
In the living room
Rely on LED bulbs and lamps. The purchase costs a lot of money, but it can pay off in the long run. The saving is ten percent in electricity costs compared to the classic bulb.
TVs, receivers, stereos, laptops or game consoles continue to consume power in standby mode. These annoying and unnecessary electricity costs can be avoided with multiple sockets having an on and off button.
Spending time together does not always have to be expensive
The prices of the swimming pool, zoo or other leisure activities have risen in recent months.
Families can still save if, for example. use family rates, family tickets or family days. It’s worth keeping an eye on. Possible savings for a family: Over 10 euros when entering the zoo. In the museum, it’s even more than 20 euros for a family of four on “Museum Day”.
Children’s books have also become more expensive. The culprit is the rising paper price in the commodity market. It is cheaper to borrow books from the city library.