Liquidity in personal finance: which of your own money can you reach?
Liquidity is which of your own money you can actually reach. Map it onto European wrappers, then size the cash buffer none of the locked stuff can rescue.
Saving Money
Saving habits and accounts: the quiet practice of keeping money you have specifically decided not to spend.
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Money and mental health: how to calm the worry and the bank balance
Money worry and a worried mind feed each other in two loops. Here's how to ease both at once, with free EU mental-health and debt help near the end.
The envelope system and cash stuffing: does it still work in a cashless Europe?
The cash envelope budgeting system still works in a cashless Europe, but only if the empty bucket can actually stop your card. Cash, pots, and sub-accounts compared.
The subscription audit: how to find and cancel recurring expenses
Run a 30-minute subscription audit: find every recurring charge, cancel it, and use your EU bank and SEPA rights to make it stop.
Saving for short-term vs long-term goals: where to put your money
Match each pot to its timeline: keep one-year money in cash, five-year money in government bonds, and ten-year-plus money in diversified funds.
The best savings account in Europe is the one that lets you keep the most
The headline rate on a savings account is rarely what you keep. Post-tax yields in Germany, France, Ireland, Slovenia and beyond tell a very different story.