Although no other country has such high reserves per capita on the account, the savings many Germans seems hard to fall. Germany is a world champion when it comes to the topic of saving. No other country in the world has such a high savings reserves on the account such as the Germans. In reality it looks frequently but not quite. But often leaves hardly any money at the end of the month. The consumer is subject to several temptations every day.

But an easy money there is to spend if advertising, point programs, as well as sales including installment. In addition, it allows large sums and amounts to settle the plastic money in just a few seconds. Far too often, the eyes to the reality be closed however. The border between plus and minus will be broken. For all the offers the overview of the own spending loses quickly. It will therefore not be surprised, that in Germany despite saving world champion overall, 243 000 young people are in debt.

The young with an average of 7000 euros in the big is already before the professional life. The does, however, draw any conclusions on the generation, which is equivalent to paying only only 1.92 percent of all young people. However, there are very many young people, which apparently appears completely alien to the proper handling of the money. So how does the German to save? For many issuers, there’s only one: book. What first overhauled and old sounds, in fact is the best method to keep track of the own finances. Statistics support this thesis and stipulate that 20 percent of the savings be with the household book of durcgschnittlich or at least 50 euros a month. The budget book allows to keep the own spending at a glance. This developed a conscious dealing with the money. By writing down the own spending this shape in the memory.