As of: February 2, 2024, 4:55 a.m
By: Momir Takac
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You shouldn't just worry about your pension when the time comes.
One man takes precautions and gets valuable savings tips online.
Munich – If you need help or advice on a topic, the first thing you should do is ask Google.
Polling the internet has become a common way these days.
Forums and social networks can also be found there.
They offer a wealth of experience, especially for consumers.
A man asked in a Facebook group for savings tips for his time in retirement - and got some tips.
The internet offers lots of tips to save money in retirement.
© IMAGO / Zoonar
“Hello dear savers, I'm soon to be a pensioner and don't always want to save, but I should.
I'm looking forward to your tips and tricks."
With this post, the man who claims to be a frugal Swabian sparked a lively exchange of ideas.
The recommendations range from forms of investment, to additional income opportunities, to consumer behavior.
The Riester pension could soon disappear.
The federal government is planning to reform the private pension system.
Saving tips for retirement: Soon-to-be-retired people can find out online what they should definitely avoid
For example, one user advises living at pension level, even if you are still working and receiving a salary.
“So we got used to getting by with less and had saved something in addition to what we had saved,” she writes.
She's been doing this for two years.
She wants to travel with the money she has saved.
Others recommend paying attention to money when shopping.
Apps from supermarkets and discounters with savings potential such as Lidl Plus or bonus programs such as Payback or DeutschlandCard are mentioned.
One user warns against going shopping “pretty famished”.
Then it could be expensive.
“As a pensioner, you should definitely stop doing that!” she writes.
Prospective retirees receive money-saving tips: go shopping shortly before closing time
Another recommends food sharing or going shopping shortly before closing time.
Then many products are “reduced due to best before date”.
A woman knows “a lot of old people who go around their towns and know where to get things.”
They know “which restaurant has a survival bag” or know the bakery where they can pick up something else.
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Others recommend investing in real assets or investing the money in ETFs (exchange-traded funds) instead of taking out taxable insurance.
Continuing to work full-time is also an option.
As someone with long-term insurance (old-age pension), he can earn as much extra as he wants, one person notes.
Otherwise, a mini-job is certainly an option, or volunteering for an expense allowance.
There is already good news: in July 2024, the pension increase could be greater than previously assumed.
(mt)