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22. January 2026 | How-Tow

Fixed Costs Explained: Definition, Typical Examples, and How to Categorize Them in a Digital Budget Planner

Fixed costs are the foundation of every household budget. In this guide, you’ll learn in plain language what fixed costs are, how they differ from...

21. January 2026 | How-Tow

Cut Winter Electricity Costs in an Older Building: How Many Euros You Can Realistically Save per Month

Older building, cold winter, high electric bill: This step-by-step guide shows how, with a few habit changes and small purchases related to...

19. January 2026 | How-Tow

Save Electricity at Home in Winter: These Everyday Devices Belong in Your Household Budget

In winter, just a handful of major devices account for about 60670% of your electricity costs. If you track your refrigerator, entertainment...

14. January 2026 | How-Tow

January Kitchen Experiment: How Much Does a Four-Week “Eat Down the Pantry” Routine Really Save?

After the holidays, pantries and freezers are often packed — and at the same time the food budget is usually under extra pressure in January. A...

11. January 2026 | How-Tow

Winter Evenings on a Budget: Game Nights at Home vs. Movies and More — Which Fun Budget Fits You?

In winter, evenings are long—and spending on entertainment can rise fast. This comparison shows how different your after-work costs can be,...

04. January 2026 | How-Tow

Winter Living Room Cost Showdown: Throw Blanket and Rug vs. Turning Up the Heat

In winter, the living room becomes the center of daily life—and a heating-cost trap. This comparison shows whether rugs, curtains, and throw...

31. December 2025 | How-Tow

Winter-Stromfresser im Wohnzimmer: Mythos-Check zu Decken, Kerzen und Spar-Heizlüftern

Im Winter wird das Wohnzimmer schnell zur Stromfalle: Heizlüfter, Lichterketten und Dauer-Streaming wirken gemütlich, können aber teuer werden. Ein...

30. December 2025 | How-Tow, Product Updates

New in the MyMicroBalance App: Your AI-Powered Budget Tracker & New Design

With the latest MyMicroBalance app update, budgeting on your smartphone isn’t just prettier—it’s above all more efficient. The new navigation...

28. December 2025 | How-Tow

Winter Potlucks Instead of Delivery: How Roommates, Families, and Friends Can Ease Their January Budget

In winter, it’s easy to order in—and your bank account feels it. A fictional look at a shared apartment shows how delivery costs add up in a...

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