Cost explosion in autumn?
Consumers need to be aware of this now
Created: 08/01/2022, 14:08
By: Anna Lorenz
Given the current economic situation, many are wondering: how am I going to pay for this?
Read here where you can expect rising costs and how you can take precautions.
Munich – On average, employees in this country keep around 2,500 euros from their monthly wages.
A number of fixed costs have to be covered from this sum, the rest should actually benefit the quality of life.
But while the salary usually remains relatively the same, the prices for food, energy and fuel have been rising for months.
Merkur.de
has put together for you how to make clever calculations in this situation
.
The rising costs make everyday life a matter of calculation.
(Iconic image) © IMAGO / McPHOTO
Rising costs: These items will weigh on your wallet in the fall
First of all, you need an overview of which fixed costs will increase from autumn.
The following list will help you to individually assess future additional financial burdens:
Rent
: Both the index and the comparative rent are ultimately based on the current prices.
While the index rent is based directly on consumer prices, the comparable rent is determined on the basis of other rents for comparable residential properties;
the local rent can usually be found in the rent index.
If the next increase in the index rent is due or a new rent index is in sight in your city, you must expect increases.
Energy
: The colder it gets, the more heating takes place.
If no Russian gas is available, Germany is threatened with a blatant energy crisis in winter.
Compensating for failures in other ways could be extremely expensive, which is why you should assume that gas prices will rise sharply as a precaution.
If you heat with oil, you also have to reckon with cost increases depending on the season.
Filling
up : The current fluctuations at the pumps and the prices per liter, which are still high despite the tank discounts, suggest that petrol and diesel are also becoming more expensive rather than cheaper.
Precisely because, in the cold season, more motorists will be on the road again, which will significantly increase demand.
Groceries
: In the autumn, the price negotiations between the manufacturers and the grocers take place.
As f
ocus.de
reports, there could be significant price increases, especially “for soft drinks, beer, juices, ketchup and chocolate”.
However, there is also an overall trend towards inflation.
Loans
: In July, the European Central Bank significantly increased the key interest rate.
This applies to loans.
So if you have to service a loan without a fixed interest rate, the interest to be paid will probably be a lot higher.
This also applies to the disposition interest in the case of an overdraft.
Prices in autumn: With these tips you can make provisions to protect your wallet
It is rather difficult to turn some of these price screws.
Still, there are some things you can do in advance to mitigate the impact of rising costs.
If you live for rent and have a graduated rental agreement, you don't have to worry.
The rent increases are to be made independently of the economy according to the statutes agreed in the contract.
Those affected by index or comparable rents can ask their landlord for a deferral or suggest a more gentle payment agreement.
In addition, the SPD plans to reform the housing allowance;
the draft provides for a termination ban for insolvent tenants.
Gas customers can also try to agree on a milder payment model with their provider.
Another option would be to invest in electric heaters.
However, you have to weigh up whether this variant gives you advantages in terms of energy costs.
If possible, heating oil consumers should cover their needs as early as possible in order to avoid rising costs.
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Groceries and petrol: this is how you can save despite price increases
Turning the fuel price screw will hardly be possible.
However, intelligent refueling can help to save.
Otherwise, you should adopt a fuel-efficient driving style and avoid unnecessary journeys.
Those who use local public transport may be able to look forward to a follow-up offer to the 9-euro ticket that expires in August.
When shopping for groceries, it is advisable to fall back on traditional rules.
Buy private labels and be aware of offers and discounts.
Furthermore, it makes sense to cover the need for durable goods, such as ketchup or chocolate, before the next price jump.
If possible, you should set up a pantry so that you can access and store bargains.
Even vegetables often do not spoil quickly when stored properly;
Potatoes or onions are easy to buy in advance.
In September, an energy allowance of 300 euros gross is automatically added to the salary.
Use this money intelligently, not least so as not to slip into the red.
If you have to service loans, you should think about debt restructuring.
In addition, the new key interest rate makes overnight money more lucrative again - a change can be worthwhile.
(askl)
