Managing personal finances is a skill most schools never teach. A good starting point is knowing the difference between your income and your expenses. List everything you spend in a month - rent, food, transport, subscriptions. Once you see the total, it is easier to make decisions. The 50/30/20 rule is a simple guide: 50% for needs, 30% for wants, and 20% for savings or paying off debt. Start small. Saving 50 euros a month is better than saving nothing. And remember: a pension is not optional. The earlier you start, the more time your money has to grow.

💡 Did you know? The average person makes over 35,000 decisions a day. Many of them involve spending money. Having a budget means fewer difficult decisions - and less regret.