You should have a nest egg of several months' net salary set aside for spontaneous tasks.
Whether it's a step backwards or not, it's necessary and that's it 🤓
Whether it's a step backwards or not, it's necessary and that's it 🤓
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•@Sansebastian always depends on the amount of the net salary, I think...
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@jkb92 well, the more you earn, the higher your standard will be - hence more expenses, more valuable appliances, cars, etc.
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@Sansebastian I invest the money I have directly. I have a maximum of €1000 lying around in my account. The rest goes into shares. 🙋♂️
And depending on your life situation, it's up to you how much you "need". 3 months' salary is too unnecessary for me.
And depending on your life situation, it's up to you how much you "need". 3 months' salary is too unnecessary for me.
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•@Wiktor_06 it's up to you how you do it
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•@Sansebastian not the case for me, for example. I earn very well and don't have a car or particularly expensive appliances. I also rent a kitchen (including appliances and washing machine), so no unexpected expenses there either. At times I have less than one month's net salary in liquid assets.
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•@jkb92 Everyone can do this individually as they see fit. Normally, you put aside several net monthly salaries. As I'm the sole earner and we have two cars, for example, it definitely makes more sense for me than it does for you.
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I also have an emergency buffer for this kind of expenditure (I always have around 10k)
Of course, you have to adjust this individually.
Of course, you have to adjust this individually.
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•As a student and for the first 15 years, I had no buffer either. You invest what you can and suffer setbacks. Then at some point you have one and you're happy about it
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•@Musikerie That's exactly how I see it. And when I make impulse purchases like this, I just take my salary.
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