Savings guides
How much you need, how much to put aside each month and how to get there on time, with figures from official sources.
MethodThe 50/30/20 rule explained with a €1,800 monthly salary
The 50/30/20 rule on a €1,800 net salary: €900 for needs, €540 for wants and €360 for savings. How to adjust it and turn your 20% into goals.
MethodHow to make a budget spreadsheet, and when to stop using one
How to create a budget spreadsheet: income, fixed and variable costs and savings, with a sample sheet in euros and Spanish household averages.
Emergency fundHow much should your emergency fund be, and where should you keep it?
How much your emergency fund should be: three to six months of essential costs. Spanish figures, a monthly target and where to keep it, by product type.
MethodHow to make a family budget: a worked example in euros
How to make a family budget, with a worked example in euros: Spanish figures for a couple with children, 13 spending groups and a savings goal.
HomeHow much house deposit do you need in Spain?
House deposit in Spain: 20% of the price plus purchase tax by region. What to save in 10 cities, with official figures and a monthly target.