10 Actionable TIPS to SAVE MONEY in Germany 🤩
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- Опубліковано 7 чер 2024
- If you are wondering how you can stretch your income, this video is for you! We give you 10 actionable tips to save money in Germany.
🤩SERVICES IN GERMANY IN ENGLISH
GETSAFE Home Contents Insurance
👉 www.simplegermany.com/getsafe...
GETSAFE Bike Theft Insurance
👉 www.simplegermany.com/getsafe...
Ostrom Electricity
👉www.simplegermany.com/ostrom-yt/
Compare Electricity Providers (in German)
👉 www.simplegermany.com/stromau...
📣 These links are affiliate links. When you click on the links of products we mention and purchase them we will receive a small commission. It will not make any difference to you in price, however, it allows us to keep Simple Germany alive and striving.
✨ RELATED GUIDES:
How To File A Tax Declaration In Germany
👉www.simplegermany.com/tax-dec...
📼 RELATED VIDEOS:
PUBLIC TRANSPORTATION in Germany [Explained] 🚍🚊
👉 • PUBLIC TRANSPORTATION ...
Banking in Germany 💶 [Playlist]
👉 • Banking In Germany For...
Grocery Shopping in Germany [Explained] 🛒
👉 • Grocery Shopping in Ge...
CHURCH TAX in Germany 💶 [Everything you NEED to know as an EXPAT]
👉 • CHURCH TAX in Germany ...
⏰ Timestamps:
00:00 - Introduction
01:03 - #1 Transportation
05:12 - #2 Free Bank Account and Credit Card
06:20 - #3 Electricity Provider
10:04 - #4 Supermarkets
11:43 - #5 Second hand / Sharing
13:26 - #6 Exercise
15:19 - #7 Church Tax
16:52 - #8 Tax Return
17:59 - #9 Discounts
19:36 - #10 Picnic
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We know how frustrating and painful it might be to move to a new country, especially if you don't fully speak the language. That's why we created Simple Germany.
Simple Germany provides tips & information in English about living in Germany as an expat. We talk about services that are friendly and easy to use to beat German bureaucracy. We also cover the cultural aspects of living in Germany. All of this brought to you from the eyes of an expat and a German duo. We want to help you settle in Germany more smoothly.🍻
🍿 Visit our website for more in-depth information on life in Germany:
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#expats #germany #expatsingermany #lifeingermany #expattips
![Berlin vs. Germany [10 Differences]](/img/n.gif)
Find yourself someone the way Yvonne looks at Jen. Total ship ❤️
You stole my replica!! 😂😂 I've been wanting to say exactly that for quite some time! Yes, indeed, those memes, but very much literally here. Just worth and love overload! 🍀
I agree!
Totally agree!!!
You both are blessings to the expat community. It’s like whenever I have a grey area then I turn up to your channel for directions and every time I go back more confidently. Thanks for virtually holding our hands and help us walk ☺️. Keep creating more such content.. 🙏🏻
Today is a good day! I gave my 1st job interview in Germany and I get to watch another Simple Germany video!
Congrats! The best of luck for your interview! 🍀
I am moving to Germany this September for my master studies.
I am so glad that I found your channel.
4:53 Ohhh the tiny tone change on "you're not laughing" is so precious !! I don't know maybe it's just me and its a simple thing, but it's a good little read of the other person's feels
I am greatful to you both because yesterday i asked u a question and u replied in no time , i feel u both are kind hearted because u are trying to help youth save money , lord Krishna bless you both ,
The benefits of the librarys (Bücherei) I always use before I get an employer for example use the Internet and newspapers, to search for a job or a flat. And you can borough books, digital media, games etc.
I love the public library, no matter where I am. Mine here in the U.S. also loans I-Pads with a library card. So much more than just books. Ours also has a free monthly movie-usually a fairly new one.
Amazing videos, amazing synergy between both of you. What a great effort.
Thank you so much ❤
I just discovered you guys and immediately subscribed. Love your energy and great tips of course!😊
This channel will be big in the near future! Keep up the good work! Great content :)
Thank you guys! Watching your videos every evening
Will deffo get a bike ins when I buy one. Very informative as always. Underrated channel. Hope you guys reach 100k subs soon!
Great tips..You both send out so positive vibes, thanks for the videos.
Me and my best friend enjoyed a lot this video and put in some thought and discussion to all these tips. You've a new fan in his face, I couldn't count how many times he actually said "Bravo!" while listening to the two of you a while ago! (I didn't make him, he was genuinely impressed, and I say this while you already know that I myself am a true fan a true supporter) A few of your tips turn out to be quite a great consideration, including for someone not really intended to set off to Germany, because they also apply to countries like ours. And I should definitely FINALLY take more time and commitment to learn already to ride a bike!! (halfway capable by now.. didn't have the chance to do that as a child) Thank you, and never ever ever forget that Your work and investment into what you're doing is, to put it mildly, priceless! 👑👑
Thank you for making this video
Thank you so much guys! I suddenly found myself in Germany and started watching your videos for more knowledge! I really appreciate your efforts ❤️🌹
I love the money clinging sound
You guys are doing a great job!!
thank a lot you both...really helpful
Really helpful video, Thanks a lot.
thanks for the tips such videos are really helpful
Found your channel today and subscribed immediately. Loved your content and deep explanations about each topic. I am sure it is not only going to help non-Germans but also Germans 😄 keep it up! lots of love from India. 😍
Congratulations. Keep up the good work. I have 3 days now in germany and i am happy that i discover your chanel!
hey ,,, you guys are so positive and I love watching your videos... :)
You guys are doing excellent job. Thank you very much for sharing such a vital informations.
You both are very sympathetic! Great presentation!
I really love your channel. Thank you for helping us expats here in Germany. Watching here in Düsseldorf.
Starting to love this channel ein monate in Germany…need to watch all your videos vielen Danke.
In some towns there are Betriebssportgemeinschaften from firms which you can use too if you aren t work in that firm and with one membership you can use different sports equal.
Basically a normal club
Girls i just find your channel. It's super concrete with so important informations. Thank You. You are great. ❤
Thanks for the video, it is helpful even after a year ….
If you bike and take your bike on trains/local transport to explore the country-side, folding bikes (Faltrad) are a good option.
You don't have to buy a ticket for a folded up bike on public transport in Germany.
My girlfriend and I have probably saved a several thousand euros over the last 10 years years.
Plus folding bikes are smaller and lighter, making them easier to bring into your flat or cellar, to prevent being stolen.
🚲
Useful info 🙏
Very informative.
Super info !!!!!! Danke !!!😃
Great Storytelling and research!
I'm from Duesseldorf too, proud to see you guys waving the Dusseldorf's flag :D
Omg I just discovered your channel, it's a blessing. U guys helped me so much.
Well I don't know if I will be in Germany or Poland but I will definitely make it to Germany even if I went to Poland first.
I will watch all of your other videos and take notes too because there's a lot to learn.
Dankeeee
Hi, I am a Pole living in Poland, but planning to move to Germany. Especially about Poland I can give you some information if you're interested (:
Hello, guys I am planing to go and explore Germany and your information is so helpful
Big fan of all your videos, they’re all so informative!
Hi Jen and Yvonne, I’m Kim from Manila, Philippines and I’m moving to Düsseldorf for work soon. I’ve been subscribed channel to your channel for a while now and I just wanted to thank you guys for all the helpful content. Keep vlogging 🥰
Hey Kim, thanks a lot for saying hi and your support! Happy to hear you are moving to Dusseldorf and our content is helpful 😊
Love your videos ❤
Thank you
You are great!!
Picnic is fun 😊
As usual, very useful and informative content from Yvonne and Jen. The word Wisely should have been included in the video title 😀...
Yes! Choose wisely .... to make life go more smooooooothly!
😅 oh we should’ve said that! 🤣
You chose all points very wisely😁
😅 thanks Karin!
Ah man, Aldi! Definitely a great supermarket even in Chicago hehe
Thank you so much ❤️ Your article on finding the social security number using Meine TK app just helped me in submitting the onboarding documents at a new job. 🤗
The Edeka vs Aldi thing is too true - I’m lucky they’re both close because it’s the best of both worlds. Also for any other Americans looking for something more like a Target that’s groceries + whatever else, there’s Kaufland! I cried tears of joy the first time I walked into my local Kaufland 😂
😅 We are picturing the tears of joy! Real also comes close to target with non-grocery things.
Bikes are more expensive than 500€ at the moment more like a 1000€ for decent bike. But the return of investment for your health ia great. Now only the road design needs to change.
Very much true
You guys are so helpful ❤ The German government should just give you some monthly salary .. As a foreigner it's very hard to find this kind of information 😕. Thanks guys
I would wish to meet you personally. Bcoz you are among the people whom I didn't know existed to this level especially in Germany a country known out side as conservative by character
In fact being in Dorsodorf among the cities feared in Germany. Like Leipzig I respect you 100% my Question is it true or......??
Germany govt.....hahahaha it's and will never
why the government? google has everything
I only shop from rewe too, it is nice and good quality . Now i will check Aldi of course
Regarding alcohol on picnics: During times where the big C is present everywhere - make sure it is really allowed in the state that you are in. Some states in Germany have set up rules on alcohol not being allowed outside as ridiculous as it seems . My dad was working as a lorry driver and after his shift at the hotel or guesthouse in Rheinland Pfalz he stayed overnight in few months ago he got himself a beer and sat outside and completely by himself in the perimeter of the accommodation and his lorry. He actually got approached by some overly eager guy from the Ordungsamt and fined for having his 'Feierabendbier' outside. Bit over the top methinks, as no harm done to anyone. make sure it is really ok to do so in regards of extraordinary C19 rules, cause then you save yourself from having to pay a fine - Which in turn nicely links into the saving money topic again ;-)
That's amazing that you have a choice of providers, in my home country Israel the electricity, gas, and basically everything is monopolized.
Yeah, I can understand. In Guatemala, those services are monopolized as well.
About the “fresh” fish that you buy at Rewe: If you don’t live directly by the sea, fish in German supermarkets is NOT fresh. The fish and seafood they offer at the fish counter was frozen, just like the packaged fish in the freezer isle. They just thaw it before they sell it to you. They even admit this when you ask them.
Not all were frozen (if they were it says aufgetaut on the price sign). Some are also fresh. Obviously not as fresh as a fresh catch in a coastal town 😉
I put a AitTag apple locator on my bike. $30. They make one for Android phones too. I also,installed an Alarm,$16-$50 on Amazon.
i love 💞 you guys.... i would say hello to you if i see you around in Dusseldorf any day in future
Good
You have to be very careful choosing another electricity or gas company, however, since many of the cheap ones have been going bankrupt with the extreme price rises and kicking out their customers, who end up with the most expensive providers. Here in Berlin, at least, people have been stuck with insane monthly rates of hundreds or even thousands of euros from the local providers. They will eventually get it back, but it is terrifying to receive a 2000 EUR bill for just January 2022.
Such a good video! Thank you so much!
Quick question: what would you say is the best way to find a Sportverein?
You could Google the sport you're interested in and your city. So like 'basketball verein Dusseldorf'. Or even just 'Sportverein Dusseldorf". Another way is to look for Facebook groups located in your city that meet regularly to play sports. Hope that helps :)
What about choosing a mobile provider “wisely”? 🙂
That is no. 11 😉 - we had just talked about it a couple of weeks ago, which is why we didn't include it here again: ua-cam.com/video/5mcgr7g25ZY/v-deo.html
Can you make a video about grilling in the parks in Germany? hard to understand where it's allowed :)
Thanks for your suggestion! Will add it to our list.
Hey guys! U just talked about Cycling, can U suggest some clothes that one should wear in different weather.
Rain and wind proof clothes make sense when cycling in Germany. But it of course depends on your use case.
You did not lie about the weather. I am about to move to Deutschland with my family and my biggest concern is about my wife realising she has to deal with German weather for the next 20 years 🤣. Luckily i am kinda used to that type of weather, whilst my wife love 🌞 and ⛱️. Well, i guess we ll have lots of holidays abroad
😅 - luckily you can find sun an beach in many beautiful places in Europe 😊
😂😂😂 I feel the same way about Aldi being weird but I’ve noticed that REWE is ridiculously expensive. The same brand juice I buy at ALDI costs 0,50 more at REWE! No ways!!!! Noticed this with other things too. I really liked REAL but sadly the one close to where I stay in Bayreuth has closed 🙁
Could you make a video about how to apply for a German passport please?
All in all very good tips, but did you also notice that some low-cost suppliers of electricity and gas recently terminated their customers' contracts because they were unable to maintain their very cheap contracts given the current high energy purchase prices?
Yes! And we are not promoting low cost providers, but instead the idea to compare and not to accept the status quo of your basic provider. On Stromauskunft, the comparison platform we mention, you can select to exclude low-cost providers. Ostrom, the provider we do mention, is not a low-cost electricity provider. Hope this clarifies 😊
Can you talk about Agentur für Arbeit and what can you do from there Incase they terminate you contract?
We have a guide on unemployment benefits in Germany which gives you some answers to your question: www.simplegermany.com/unemployment-benefits-germany/
Hey guys! Do you have any specific German Banks to recommend in order to open a bank account and not to lose any money on unnecessary utilities maybe? I was thinking Deutsche Bank.. What do you think? I'm coming to Bochum in order to live and work there so I'm watching these videos thoroughly!!🙃
Hi from Australia. I am enjoying your videos. You didn’t mention Seniors or Pensioner’s discounts. Is that a thing in Germany? I will be cycle touring, and it might save some money to access Seniors discounts.
Hey Geoff, yes senior discounts are a thing sometimes, usually starting from about 65 years. Have fun on your tour! 😊
Please be kind enough to do a video about Schufa Credit Score.
Here you go: ua-cam.com/video/jjUQJcnTtOA/v-deo.html 😊
Getting an electricity provider in mediamarkt or Saturn !! if we get a 12 month contract we get 150 or 100 euro coupon !!
Thanks for sharing your tip! 😊
Hi JenY, could you provide a link for Gas (heat) providers to compare companies please?
You can also use Stromauskunft to compare gas prices (www.simplegermany.com/stromauskunft)
You had a recycle video, ♻️ which I watched, and I was wondering how you would recycle a bicycle? Would it be the same as recycling furniture?
Yes, it would.
@@simplegermany Awesome. Thank you :)
Could you please talk about c24 bank too? It has new interest rate coming in September 2023.. TIA
If possible, can you make a vid about Kindergeld, Wohngeld, Arbeitslosgeld, etc? Thank you for putting up this channel
Hey Benrie, we have a guide about Unemployment benefits on our website, feel free to check it out here: www.simplegermany.com/unemployment-benefits-germany/.😄
Hey my friend suggest to use Payback. Is that worth using it when check out? As a local do you use it？
Yes, we use it 😊 we wrote a detailed guide on the pros and cons of Payback which you can check out here: www.simplegermany.com/payback-card-germany/
@@simplegermany You guys awesome! Really help a lot!
If i want to do an RTPCR before catching a flight, will the cost of that RTPCR be covered by TK health insurance ?
No, you will have to pay a PCR test for travel purposes yourself.
💛💛
I was under the impression that starting from 1st January 2022, by law, all contracts can no longer be enforced to be at least a minimum of 12 or 24 months, a minimum of 3 months notice to cancel current contract and if in case wasn't canceled cannot be renewed automatically for 12 months. Please correct me if I'm wrong.
The second part is correct, the cancellation period got reduced to one month, however, a contract can still have a minimum length of up to 24 months. After that you can always cancel with one month notice.
@@simplegermany ok, thanks for the clarification. I also have a request. Can you please do a video about kindergartens?
what about electric bikes etc ? can you get them on installments may be .
Yes, some shops offer to pay in installments.
@@simplegermany thanks guys
Sparen, sparen, sparen!
👍👍
Fruits n vegetables seem costly in lidl/aldi. Where do we find cheap fruits n vegetables around?
That is the best price quality ratio you will find, compared to other supermarkets.
Can we change current on going giro account IBAN to another??? Because I habe Sparkasse which I pay 7.50 per month. I need to change it to Commerzbank because they offer 0 fee. Main thing I need to keep IBAN because of my ABOs. Please do a video 🙌
That is not possible, because the IBAN consider of 2 parts: first part is the Bankleitzahl (=bankcode), the 2. part is Kontonummer (=account number). Both together is your IBAN.
So, if you change the bank, your IBAN always will change because the bankcode can only be used by your old bank, not your new.
No worries. You will get a new IBAN when changing banks, but often banks offer a changing service that they inform all Abos about the change and you can choose, which provider to switch. Commerzbank offers that service too: service.commerzbank.de/wie-funktioniert-ein-kontowechsel-zur-commerzbank/. So ideally, you open the Commerzbank account first (www.simplegermany.com/commerzbank-yt/), then use the changing service. And once everything got changed and is running smoothly, you can cancel your Sparkasse account. Hope this helps!
Very good information and advice, as always!
I envy Germans for being able to choose electric and even natural gas providers. I'm not aware of any place in the US where this is possible.
No free market whatsoever --- and I think we all accept this as "just the way it is." Hmmmm.
On the other hand, the church tax strikes me, as it would most Americans, as weird, if not downright sinister!
I suspect there is a long and interesting history behind it.
Yes, I am in the U.S.-state of Nevada-and we have no choice for our utilities.That stinks! I do envy also the German choice.
problem is no matter how frugal you live, what you save from a low income (even 5-5500 groos is low) is not worth much
Is that after taxes or before?
@@CallOfCutie69 before
but to be honest even after taxes it s not a huge amount
..."and you are not laughing - so it's not funny..." 😂😅🤣🤣🤣🤣🤣 (ooops, sorry, l mean 😨😰)
Hallo! I’m an Ausbildung student (2nd year) . I’m from Japan, I’m not yet resident in Germany. Is it possible for me to start an online business?
Hopefully our written guide on how to start a business in Germany might guide you on this topic: www.simplegermany.com/how-to-start-a-business-in-germany/
Hi! I'm Roman Catholic and a regular churchgoer and will be moving to Germany soon. I don't know if I will get married in Germany. Just wanted to know if you know anything about me still being obligated to pay Church Tax?
Yes, you would have to pay Church Tax... however (if you are willing to lie about your religion): usually you can visit your church or take part in everyday church activities even if you do not pay the church tax (normally noone will ask you about it)... only if you want to use one of the more "special" services of the church (like marriage, baptisms, funerals, etc.) you should register... normally you won't be banned from having one of these, even if you are not "officially" part of the given church in Germany, but they will charge you heavily (for marriages or funerals usually at least double the "normal" price).
Yes, you can find more details in our video on Church Tax: ua-cam.com/video/u-w82t4tqPE/v-deo.html
If you opt out at the Anmeldung you can still join the church once you want marry. Also your future spouse needs to be registered in the church as well.
So, if you do not have fixed plans to marry in Germany soon, you do not have to choose the registration at a church now
@@luci2k1 thank you! 🙌🏽
@@simplegermany thank you! 🙌🏽
If I stoo having coffee in a caffe every day, and I always leave 5 euros no matter on the cost, I will save 1850ish euros a year 😂
your voice is cute
How can I know if I am being charged the church tax?
Have a look on your payslip.
@@simplegermany thank you, this is my first month here and I’m somehow still confused on a few things 😅
@@simplegermany thank you, this is my first month here and I’m somehow still confused on a few things 😅 your videos have been great help by the way 🫶🏼
Here is one:dont save ,earn!
First 🥇🥇🥇🥇
I understand you don't have children, but do you have any advice for people with kids? Our kids are all under 11 if that matters.
Mmh, things like the Sportverein, used/shared things can also apply to kids. Once your kids go to kindergarten or school there is also no more cost there (Kita - usually up to 3 years hast costs).
Is penny store not cheapest?
Yes, it is also a discount supermarket. But the quality is not as high as at Aldi or Lidl. In our guide we explain the different supermarket types: www.simplegermany.com/supermarkets-in-germany/
Guten Tag ich möchte lerne deutsch, will sie helpf mich
Ich brauchen helpf
Here is our playlist with videos on learning German: ua-cam.com/play/PLnp3hGZLHcOWd_OCrIAL-Q_7o4SIG5oKz.html
Please give us referral code for strom. They ask it for 35 euro.
We do not have a referral code for Ostrom. If you decide to use Ostrom, via the link in the description, you would be supporting Simple Germany without any additional cost for you 🙂
Hi D Cooper! Did you finally contract electricity with Ostrom?
Do you have a referral code you would like to share with? It could give each of us a EUR35 bonus!
Hey Yvonne, du siehst etwas müde aus in dem Video. Ich hoffe alles Ok?
Oje! Ja alles ok 😇 Danke der Nachfrage!
@@simplegermany ok. Dann ist ja gut. 😉