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08. February 2026 | How-Tow

Plan Your Budget by Expense Type: Clearly Separate Fixed, Variable, and Occasional Costs

Learn how to plan your budget by expense type: cleanly separate fixed, variable, and occasional costs, map them in a simple table, and implement...

06. February 2026 | How-Tow

Reviewing Your Monthly Budget in a Digital Household Budget Book: Step-by-Step Guide With an Evaluation Checklist

How do you correctly review your monthly budget in a digital household budget book? This guide shows you a clear step-by-step method—including an...

04. February 2026 | How-Tow

Spring Rides Cost Check: How Much Money You Save by Biking Instead of Driving

If you consistently bike for everyday trips of up to 10–15 km instead of driving, you’ll often save a low to mid three-digit amount per...

03. February 2026 | How-Tow

Create Budget Tracker Categories: Easily Structure Income, Fixed Costs, and Flexible Spending

A budget tracker only becomes truly useful when you record every transaction in clear categories. This guide shows you a simple structure with...

01. February 2026 | How-Tow

Cut Winter Electricity Costs with a Hot Water Check: How to Save Up to €180 a Year

With a low-flow showerhead, shorter showers, and a slightly lower hot water temperature, many households can realistically save 15–35% of their...

30. January 2026 | How-Tow

What Is the 50/30/20 Rule? Simple Explanation With Euro Examples for Your Budget

The 50/30/20 rule splits your take-home pay into three clear buckets: 50% for needs, 30% for wants, and 20% for financial goals. In this article,...

27. January 2026 | How-Tow

Start a Budget Tracker in 10 Minutes: From Your First Entry to a Simple Monthly Summary

Want to keep a better eye on your spending without spending hours learning Excel? This guide walks you through clear steps to set up a digital...

25. January 2026 | How-Tow

Variable Expenses in Your Budget Tracker Explained: Definition, Examples, and Categories

Variable expenses are all costs that fluctuate in amount or frequency—for example groceries, gas, or leisure spending. In this article, you’ll...

24. January 2026 | How-Tow

Spring Cleaning for Your Household Budget: How to Save Up to €250 a Month with Clear Cuts

With a simple spring-cleaning reset for your budget, you can save between €80 (single) and €250 (family) per month, depending on your household—not...

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