You want to use your money wisely and are looking for helpful financial tips that will help you to raise more capital in the long term? These six hacks will take your financial knowledge to the next level.

There are many ways to save money: writing shopping lists, swapping clothes instead of buying new ones and keeping a household book, to name just a few. Often, however, the amount of financial tips and hacks that abounds in specialist literature and on the Internet means that we lose sight of what is really important: namely, to start simply and stick with the matter at hand.

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Because saving is like doing sports or eating healthy – in the end you will only be rewarded if you stay on the ball. So the motto is: start small, concentrate on the essentials and show perseverance. These six financial hacks will help you:

In the beginning there is always a thought, also in financial matters. Becoming aware of your goals and visualizing them is the first step to (financial) success. What can help? A vision board – a collage of images, quotes and affirmations that reflect your dreams, desires and goals and remind you of them every day. At first it sounds cumbersome and like hocus-pocus, but it is the basis for everything else. Because through the daily manifestation of your goals you keep them constantly in mind. When designing your vision board, ask yourself the following questions:

Formulate each of your goals using the SMART method. Here’s what your goals should be:

Then visualize your individual financial goals using a vision board, which can be reminiscent of a wall newspaper or a brainstorming overview.

Once you have set your goals, it’s time to implement them. Schedule a fixed appointment regularly – for example every month – to organize and plan your finances. Work through the following points:

Get an overview of important annual financial dates such as upcoming tax returns or possible notice periods. This includes:

You should also consider making larger planned investments – if financially possible – in the old year. This is important with regard to the income tax return.

The Germans pay 48 billion euros too much every year for their contracts. Therefore, check insurance, energy tariffs, telephone contracts and the like at least once a year – preferably on a fixed date. Pay attention to:

You can also use comparison portals to find a tariff that suits you and switch to a cheaper provider. Also important: You usually save on insurance, membership fees and other permanent items if you pay once a year instead of monthly.

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Set limits on certain areas of your life to control how much money you spend. The same applies here: the more concrete the goal, the easier it is to save.

ETFs are the easiest way to invest money in the stock market. We explain how you invest and how much it can bring for your age.

If you tend to quickly lose track of card payments or mobile payments, use cash. Withdraw an amount every month and pay for all purchases and leisure expenses from it. You will quickly notice that if you overdo it, you will automatically live more economically.

There are also numerous ways to actively save money at home: