Save by cleverly classify your bank accounts.

During our adventure to reduce costs as much as possible in our household, we found out that the division of our financial system is very important here! With some simple steps, we now save a lot of money.

Before we started the saving adventure, we had classified the finances fairly average. A current account from which the fixed expenses went, a joint account from which (on paper) the messages had to be paid and a savings account. Nothing crazy so far. But this had the result that there was always a lot on the current account. All easily accessible and can be released with 1 swipe of your debit card. And when there's a lot on it, you don't think about what's left to finish. Result: at the end of the month it was up (or even more than up, then money had to be added from the savings account). We decided it was time to turn this over.

But how do you do that? And what works well? Below I take you into the choices we made and why we made those choices. Whether this works the way for you, of course, is not said at all, but for us this works perfectly.

We have made the following choices:

1) The current account is now only for fixed charges. We therefore return the amount on that current account at the beginning of the month to the exact amount we need for the fixed charges. At the end of the month it will be empty.