Clean up your finances: Four tips to reduce unnecessary expenses. The “buy now, pay later’ option with Klarna or Klarna can help you accumulate more debt more quickly.

Would you like valuable money-saving tips? Merkur.de's “Clever Save” newsletter always has the best money- saving tips for you every Thursday. The Editorial Network Germany provides an additional tip : In order not to miss notice periods, it is advisable to create an overview document. Or set reminders in your smartphone calendar.