Finance and economic thinking
Micro budgets
Microbudgets: How to Keep Your Money Under Control

Finance and economic thinking

Local decision-making
Micro budgets
Home cashflow
Saving money
Small investing
Financial rituals
Price and value

Microbudgets: How to Keep Your Money Under Control

Finance and economic thinking

Local decision-making
Micro budgets
Home cashflow
Saving money
Small investing
Financial rituals
Price and value

Imagine that you receive an unexpected €50. What will you do with it first?

Select an answer:

I will put them among the other money, I will think about them later. I will use them for something that will immediately make me happy. I will consider how I could multiply them. I will give them to someone who needs them more. I will start keeping a record of where they go.

What does your wallet or financial app look like?

Select an answer:

Minimalistically – I have only the essentials. Chaotically – I make deposits and withdrawals intuitively. I have old receipts, notes, scraps... I have everything divided – food, entertainment, savings. I use a system of colors, zones, or rules.

What do you feel when someone asks, "What do you spend most of your money on?"

Select an answer:

I will think about it, but I don't have a precise answer. I will feel a little embarrassed, but that will pass. I know it exactly, and I like to talk about it. I avoid such a question, it's nobody's business. I have an overview, but I don't know if I am satisfied with it.

When planning your vacation, what plays the biggest role?

Select an answer:

Overall experience – is it worth it? How much will it cost me day by day? Whether it fits into the budget. Where could I save the most? Whether it will look good in photos.

If you had to make an unexpected expense of €300, what would be your first step?

Select an answer:

I will see what I can cancel or move. I will use the reserve if I have it. I will divide it into smaller parts and pay gradually. I will ask for help or a loan. I will think about whether it is really necessary at all.

Which statement is closest to you?

Select an answer:

Money is just a tool, not a goal. He who saves has for three. We should indulge ourselves while we can. Every euro should be turned twice. Less is sometimes more.

How often do you revisit your purchases and evaluate them retroactively?

Select an answer:

Sometimes – when something doesn't work out. Regularly – I have a ritual for it. Almost never – what happened, happened. Only if I spent more than I planned. Whenever I put something away or throw it out.

What does the idea "every euro has its place" evoke in you?

Select an answer:

It calms me – that's exactly how I like it. It makes me nervous – it sounds like prison. It sounds right, even though I don’t live that way. I envy people who know how to do it. It reminds me of a game – maybe I would give it a try.

If you had to create a micro-budget for a week, what would you enjoy the most?

Select an answer:

Find creative ways to save. Observe how my behavior changes. The feeling of control and clarity. Finding out where I waste. Absolutely nothing – it sounds like unnecessary hassle.

Which of these images resonates with you the most?

Select an answer:

A tree that grows slowly but strongly. A river that flows around obstacles. Map with marked roads and destinations. A piggy bank that turns into treasure. A plate with small tastings of various dishes.

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