Budgeting: 50/30/20 and the emergency fund

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A simple frame: 50% needs (rent, food, transport, insurance), 30% wants (cafés, hobbies, holidays), 20% cushion and goals. The Notgroschen is a 3-month reserve on a separate account: car breaks, job lost — no loan needed. Start with €1,000, then build to three salaries.

●Rent + Nebenkosten ideally ≤ 30–35% of net income
●Pay yourself first: move 20% on payday
●Divide yearly bills (insurance, GEZ) by 12 — save monthly

📒 The envelope method works digitally too: „Spaces“ at neobanks automate 50/30/20.

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