Optimize finances

Consumer frenzy in December. How to prepare for the January slump

December is full of parties, celebrations, presents… and spending! The financial consequences are often felt in January. We talk to Daniel Christen from Systemcredit about the January slump. He is familiar with the liquidity bottlenecks experienced by SMEs at the start of the year and believes that private individuals and…
Optimize finances

Fun is a must. Budget planning with a fun quota

When we think of a household budget, we think of saving and counting pennies. It’s not just about keeping your spending under control and limiting yourself. A household budget helps you to achieve your long-term goals. For example, a major purchase, a home of your own or a longer trip…