After school, life becomes serious.
The symbols of decay in Thomas Mann's »Buddenbrooks« can no longer harm you, as can Spanish short stories or the functioning of an endoplasmic reticulum.
Issues such as the first tax return, budgeting with your own money or serious planning for old age suddenly become much more important.
The debate that these issues are neglected in school is not new.
Young people often find it difficult to get by with their own money.
This is shown by the over-indebtedness report of the Institute for Financial Services from last year: In the group of under 25-year-olds, "excessive consumer spending" and "too little personal responsibility" are the most common reasons for over-indebtedness.
Why a budget book is a good idea - and why saving also makes sense on a small scale
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Title: Young Money Guide: Managing Money Correctly and Getting More from Life
Publisher: Penguin Verlag
Number of pages: 272
Author: Jauernig, Henning
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SPIEGEL business editor Henning Jauernig has approached the topic of finance in such a way that even those who have hardly dealt with it can do something with it.
For years, Jauernig gave tips on how to handle money correctly in his Young Money blog, and he collected the most important thoughts of his column in a successful book: the Young Money Guide.
One of his tips: A budget book can help you save.
You don't have to laboriously collect receipts for this, he says in the podcast, now all of this can also be done digitally, for example via an app.
He can also take away the worry that his own financial planning will eat up his leisure time: »The point is not to get yourself a second hobby and sit in front of your books every week.
You can keep everything pretty simple. "
Treating yourself to something doesn’t have to fall by the wayside, stresses Jauernig.
Above all, it is more important to become more aware of your own financial situation: "It's not about being in chains and being totally stingy."
In the podcast, he explains how to keep a budget book, what the 752 rule is all about and why 25 euros a month are enough to save.
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