Plan cleverly. Easy to implement. A bit smarter every day.

Managing money doesn't have to be complicated — it's often small habits that make a big difference over time. With a few simple tricks, you can keep track of things and give your money a clear plan.

1. Avoid spontaneous spending with the 24-hour rule

Want to buy something? Wait 24 hours. If you still need it afterwards (and it fits within your budget) — go!

This rule prevents unnecessary spontaneous purchases, particularly online.

2. Use separate accounts for more structure

Divide your money into clear “pots”:

• Everyday account — for current expenditure
• Fixed cost account — Rent, electricity, subscriptions
• Savings/investment account — just for your future
  
  

3. Pay yourself first

Before you pay rent, subscription or supermarket:
-> Transfer directly to the beginning of the month 10-20% of your income to yourself — to your savings account.
What is gone is also not spent.

4. Watch out for recurring small expenses (“money leaks”)

€3.99 here, €5.49 there — what looks harmless per month quickly adds up to a hundred euros and more over the year.

5. Plan with a weekly mini budget

Instead of just planning monthly:
-> Set yourself a weekly leisure budget (e.g. 50€).
In this way, you avoid everything being gone at the beginning of the month — and leaving too little at the end.

6. Get money back: use cashback & bonus programs

With our kingpay Mastercard, you automatically benefit from:

• Cashback on all your purchases
• pointsthat you can exchange for vouchers or rewards
• Discounts on travel, car rentals and lifestyle offers

The more actively you pay, the more benefits you collect — without any extra effort.

When you use money more consciously, you save more, live more relaxed — and create space for the really important things.

‍