Money for Start here
New to managing your money? Do these five things in this order. Each step links to the video that explains it and, where useful, a calculator.
Find out where your money goes
Before you change anything, track your spending for a month or three. You can't fix leaks you can't see.
Track Every Euro for 90 Days · Raise But Still Broke · Emergency fund calculator
Build a buffer
Keep three to six months of essential costs in a separate savings account. This is what stops a broken laptop or a gap between jobs from becoming debt.
Check what you're paying
Fees on funds, pensions and bank products quietly eat tens of thousands over a career. Find them and switch where it makes sense.
The Hidden Fee · What Your Bank Will Sell You · Fee calculator
Start investing, simply
One or two broad, low-cost index ETFs, bought every month, are enough for most people starting out.
Start Investing With 100 · The Lazy Portfolio · Stop Buying ETFs Like This · ETF Starter Checklist
Automate it and leave it alone
Set up automatic transfers on payday, then stop checking every day. Crashes are part of the deal; selling in a panic is the expensive mistake.
The 1-Hour Money Setup · The Market Crashed · Broker Bankrupt
This is general education for people living in Europe, not personal advice. Your situation, country and taxes matter. When in doubt, speak to a licensed adviser.