Where the money leaks
Most households pay at least five fixed items every month that can be trimmed with no sacrifice in daily life. The trick is to see them in one place first.
Open the category spending overview in Qinta and sort by amount. The usual suspects: telecom plans, insurance, streaming services, bank fees and utilities.
Five quick wins
- Bundle mobile and internet with one provider.
- Review insurance policies once a year.
- Cancel streaming you haven't used in 30 days.
- Switch to a bank with no account fee.
- Set the thermostat 1°C lower in winter.
Realistic expectation: €40–80 per month, with no hit to your quality of life.