The GeldInzicht Blog

Practical, jargon-free articles on budgeting, saving and financial planning — written by our coaches for people managing money in the Netherlands.

Featured Article

Person reviewing a household budget notebook and calculator at a kitchen table

BudgetingMarch 2, 20268 min read

The 50/30/20 Rule in the Netherlands: Does It Still Work in 2026?

The classic 50/30/20 split of needs, wants and savings is a useful starting point — but rising rents and energy prices in Dutch cities can throw the math off. In this article we break down how to adapt the rule to your real expenses, when to prioritize a buffer over investing, and how our clients use a modified 55/25/20 approach to stay on track.

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Latest Articles

Stack of euro coins next to a small growing plant in a pot

SavingFeb 24, 20266 min read

How Big Should Your Emergency Fund Really Be?

Three months of expenses? Six? The right answer depends on your work situation, fixed costs and safety nets. Here's how to calculate a target that fits your life — and how to reach it without feeling deprived.

Freelancer working on a laptop at home with invoices on the screen

IncomeFeb 17, 20267 min read

Budgeting on an Irregular Income: A Guide for Freelancers

When your income changes every month, a traditional budget breaks down fast. Learn the percentage-based system our freelance clients use to smooth out good and bad months and always cover their fixed costs.

Person crossing out debts on a handwritten repayment checklist

DebtFeb 10, 20266 min read

Snowball vs. Avalanche: Choosing a Debt Repayment Strategy

Both methods work — the best one is the one you stick with. We compare the motivational snowball approach with the interest-saving avalanche method, with a worked example on €8,000 of consumer debt.

Smartphone showing a list of monthly subscriptions and recurring payments

SpendingFeb 3, 20265 min read

The Subscription Audit: Find €100+ Hiding in Your Bank Statement

Most people underestimate their recurring charges by half. This step-by-step audit takes 45 minutes and regularly uncovers forgotten trials, duplicate insurance and unused memberships.

Couple discussing savings goals with a house model and piggy bank on the table

Goal PlanningJan 27, 20269 min read

Saving for a House in the Netherlands: Costs Beyond the Down Payment

Buying costs, mover fees, and a fresh coat of paint — the purchase price is only part of the picture. We map out every cost so your savings target is realistic from day one.

Calendar with a recurring monthly review marked with a green checkmark

HabitsJan 20, 20264 min read

The 20-Minute Monthly Money Review That Changes Everything

You don't need to track every coffee. A short, structured monthly review is enough to catch problems early and celebrate progress. Here's the exact checklist we use with clients.

Automate first, spend second. Move your savings transfer to the day your salary lands — what you never see, you never miss.
Name your accounts. A savings account labeled "Emergency Fund — €6,000" is far harder to raid than one labeled "Savings 2".
Wait 48 hours before any purchase over €100. Most impulse buys lose their appeal within two days.
Review fixed costs once a year. Energy, insurance and phone providers count on inertia — an annual comparison often saves hundreds of euros.
Track your savings rate, not just your balance. A growing rate is the clearest sign your system is working.

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