Budget Archives - DIY Investing Hub

The Hidden Risks of Buy Now, Pay Later: Convenience or Debt Trap?

Posted on: September 17, 2025September 26, 2025

Over the last few years, Buy Now, Pay Later (BNPL) services have exploded in popularity. Companies like Klarna, Afterpay, and Affirm make it possible to split purchases into […]

Budget / Personal Finance Basics

Financial Minimalism: How Living With Less Can Help You Save More and Reduce Stress

Posted on: September 6, 2025September 10, 2025

In a world where we’re constantly encouraged to buy the next big thing—whether it’s the latest phone, a bigger car, or even more streaming subscriptions—the idea of financial […]

Budget / Financial Independence

Debt Snowball vs. Debt Avalanche: Finding the Repayment Strategy That Fits You

Posted on: August 28, 2025August 30, 2025

For many households, debt is more than just a financial obligation—it’s a source of daily stress. From student loans to credit cards, the average European household carries over […]

Budget

Seasonal Spending Made Simple: Budgeting for Holidays, Vacations, and Special Events

Posted on: August 27, 2025August 30, 2025

The holidays, summer vacations, birthdays, and special events bring joy, but they also bring a challenge: how to enjoy them without derailing your finances. Seasonal spending can easily […]

Budget / Personal Finance Basics

Subscription Overload: How to Audit and Slim Down Your Monthly Fixed Costs

Posted on: August 20, 2025August 30, 2025

We live in a world where everything comes with a subscription. From streaming platforms like Netflix and Disney+, to gyms, meal kits, music apps, cloud storage, and even […]

Basic Investing / Budget / Personal Finance Basics

How to Build an Emergency Fund on an Irregular Income

Posted on: August 10, 2025August 22, 2025

Most personal finance advice assumes you get paid on a predictable schedule — every two weeks or once a month. But what if you don’t? Freelancers, gig workers, […]

Budget / Investing / Personal Finance Basics

Budget Smarter, Live Better: How to Save € 100 – € 500 Each Month Without Sacrifices

Posted on: August 5, 2025August 22, 2025

Budgeting often gets a bad reputation. For many people, it sounds like living with restrictions, cutting out all the fun, or denying yourself simple pleasures like your morning […]