Today is the 100th anniversary of World Savings Day! Discover the best savings tips: from daily money to free credit cards to insurance and energy comparisons. Use the day to optimize your finances – when would be the perfect time if not today?
World Savings Day is celebrating its 100th birthday! There is hardly a better time to optimize your own finances. With these practical tips and recommendations you can manage money more efficiently – from daily savings accounts to credit cards and energy contracts.
Daily money account instead of checking account or savings account
Call money accounts offer an excellent opportunity to park your savings safely and flexibly. These accounts often offer attractive interest rates while providing daily access to the capital. Accounts with variable interest rates that benefit from the current market situation are particularly recommended. Offers without minimum deposits are recommended, so that you can benefit even with a small starting capital. Regular comparisons of the best daily money providers are advisable in order to always secure the highest interest rates.
The best daily money providers in comparison
Free credit cards for more flexibility in everyday life
Free credit cards are a great way to gain financial flexibility without having to pay additional fees. Such credit cards often offer advantages such as worldwide fee-free payments, free cash withdrawals or interest-free shopping for a certain period of time. Credit cards with additional cashback or bonus programs are particularly attractive so you can save on every purchase.
The best credit cards with no annual fee in comparison
| Provider | Annual fee | Services | |
|---|---|---|---|
Discounts and cashback deals: Get more out of it with the right credit card
Die Payback credit card* and the Amazon Visa* offer excellent cashback and discount programs. With the Payback credit card* You collect points with every purchase, which you can later convert into rewards or discounts. The Amazon Visa* scores with bonuses when shopping on Amazon and other cashback options at partner retailers. By using these cards wisely, you can save a significant amount every year.
Switch energy providers: How to reduce energy costs
Many electricity providers attract new customers with attractive bonuses and cheaper tariffs. You should use comparison portals to find the best offers and adapt your electricity contract accordingly. An annual check and, if necessary, a change of provider can permanently reduce electricity costs. It is advisable to look for tariffs with a price guarantee and no hidden costs in order to have long-term security.
Compare electricity providers now via CHECK24 and save up to €720 a year!*
Similar to electricity, significant savings can also be achieved with gas by switching providers. Many households underestimate the savings potential that comes with switching gas providers. It is advisable to find out about possible alternatives and to regularly check whether the current gas provider still offers the best price. The switch is usually easy and can be completed online in just a few steps.
Compare gas providers now via CHECK24 and save up to €750 a year!*
Keep an eye on your own expenses
Financial apps like Finanzguru* provide automated analysis of expenses. Once you link bank accounts, the app categorizes transactions and provides a detailed overview of spending habits. This transparency helps identify unnecessary expenses and discover savings opportunities. Through regular spending analysis, you can check whether you are staying within your budget plan and whether you need to make adjustments if necessary.
Install Finanzguru for free now!*
If you prefer the classic way on paper: A budget planner with integrated savings challenges is a helpful tool for anyone who wants to keep an eye on their finances and make targeted savings. It allows you to systematically record income and expenses and offers motivating savings challenges to encourage creative savings. Through regular reflection, users can track their progress and sustainably improve their financial habits.
Premium budget planner from “Budgetglück” – Incl. 160-page e-book. Order budget planners on Amazon here*.
In our YouTube video You will receive even more information about financial apps with valuable tips and tricks.
Check insurance contracts
When it comes to saving, insurance is often a major cost factor. The app from Clark* for example offers an effective solution to save money. She analyzes existing contracts and compares them with offers from over 180 insurance companies in order to find better price-performance ratios. This means users can not only reduce their costs, but also optimize their insurance coverage. The app also reminds you of notice periods and supports contract changes. A regular check of the insurance companies Clark* can save several hundred euros annually without compromising protection. Install the app for free here*
Also currently relevant: It’s worth changing every year, especially when it comes to car insurance, as the price differences between providers are often considerable. The notice period for motor vehicle insurance usually ends on November 30th. That’s why it’s advisable to look for cheaper alternatives as early as October.
Compare car insurance at CHECK24 now and save up to €850 a year!*
Conclusion
World Savings Day reminds us of the importance of managing financial resources wisely. With the right strategies and the best offers, you can not only save, but also get more out of your money. It is recommended to start optimizing your finances now and benefit from the best savings opportunities in the long term.
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This text is for informational purposes only and does not constitute an investment recommendation. finanzen.net GmbH excludes any claims for recourse. Authors, publishers and the sources cited are not liable for any losses resulting from the purchase or sale of the securities or financial products mentioned in the articles.
