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The Financial management is an important issue. A Household budgeting helps you keep track of all your income and expenses, and Implement savings measures in a targeted manner. At the same time, the household budget helps you in many other areas, such as
Compared to conventional analogue methods, you have a digital household budgeting - for example with the Zak App of Bank Cler - other advantages. These include a Simple and quick management of the household budget and, beyond that, also numerous analysis options.
In the following article, you will learn more about the importance of a digital household budget. With the help of a short comparison, you will learn the Differences between the household budget and the budget book and the advantages of digital household accounting. Learn how you can use Zak from Bank Cler to keep your finances under control.
If you have any more questions on the topic, we look forward to an exchange in the comments!
A traditional, physical budget book is only as good as its care. Added to this are the Susceptibility to errors and the enormous Writing effort. A digital budget book relieves you of numerous tasks, such as the automatic calculation of the difference between income and expenditure or the Analysis of your expenses and respective categories.
By using a digital household book and budget, you can Avoid mistakes, Identify savings potentials and your Writing effort low hold. With a digital version you get a Perfect overview of your household budget - and with little effort.
The biggest advantages of digital budget accounting and a digital household budget are
Furthermore, it is easier to monitor your household budget because access to your Financial data in real time happens and is possible from anywhere. The Automatic allocation of funds is one of the best and most helpful features of a digital household budget.
Even if you share your budget with one or more people, you can use Zak for banking. The Zak app of Bank Cler offers with (joint) savings pots exactly this possibility!
With Bank Cler's Zak app, you can manage your Manage household budget quickly and easily digitally. The app automatically updates your income and expenditure and provides you with a Simple and clear analysis. This analysis is the first step to Uncovering potential savings.
In addition, there are helpful Saving functions such as Savings pots and sharing pots with friends and family. The Zak app helps you keep an eye on your household budget in everyday life and thus achieve your savings goals, build up reserves or simply have your finances with you wherever you go.
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You want to save money for your holiday and use the 6-account model apply? The model has many advantages, but juggling between six bank accounts can be extremely tedious and quickly become confusing.
This is where the Zak app comes in. The so-called Savings pots fit exactly with the principle of the 6-account modelonly with the difference that you can do everything clearly arranged in one app and with a single bank.
How can Zak help you with your savings goal? It's easy with the following steps:
Thanks to the savings plan and automatic allocation, you always save, even if you don't think about it. Tip: The easiest way to save is to set it up as seamlessly as possible with the receipt of your salary.
Besides this simple example, you can Set up more savings potssuch as a pot for leisure activities, gifts or nest eggs.
You can determine the allocation from your budget, so you can see at a glance, what budget you have available for which areas.
This works with a digital household budget!
A popular and useful use scenario for Zak is the Save for your next holiday. In the app, create a Savings plan and Link this to a pot. Now the app automatically monitors your progress and you can always check where you are in your savings plan and when you will reach your goal.
Do you have the Automatic assignment set up and your Savings targets definedyou just have to wait until you reach them. There's only one thing the app can't help you with: Stay disciplined!
Another function of the Zak App are the Common pots. These pots are not open to the public, but you can use them to Share with friends, acquaintances or family and thus use it as a saving or dispensing pot. The function is well suited for common expensesbut also for numerous other uses:
The options are many and offer a practical solution for anyone who wants to save together or share expenses.
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We have compiled our top selection for you from all our tests and experience reports:
A digital household book or a household budget is an important Basis for a successful Financial planning. You get a quick overview of your income and expenses. In addition, you can completely Simply uncover new savings potential and immediately contain unnecessary costs.
Ideally, you free up budget and actively contribute to your wealth accumulation. You may even be able to use these savings for clever investments and further expand your assets.
Transparency note: This article was created in collaboration with Zak from Bank Cler. The content and presentation have nevertheless been freely and independently created by Schwiizerfranke.
The information on Zak is intended exclusively for persons domiciled in Switzerland. A Zak account can only be opened with domicile in Switzerland.