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Anything For The Money? That’s Why There Are no Windows in The Supermarket

Hardly any supermarket has windows. There is a clever trick behind it. Of course, we can already anticipate that this is about the money. And that of the customers.

Supermarket tricks

Supermarkets use a wide variety of tricks to turn their own customers into even more profitable customers. A very special trick are the missing windows. Of course there are some at the front where current offers are also attached, but that’s often the case.

There is a pretty clever effect behind this, which should lure even more money out of our pockets. By the way, arcades and casinos also use it. Overall, all supermarkets are always built according to a perfectly thought-out scheme, which is said to have numerous influences on us. The missing windows have a very simple reason: the longer customers stay in the supermarket, the more money is spent. When you can’t look outside, it’s hard to tell the time. This will keep you in the store for up to an hour.

There are other reasons too: direct sunlight can cause packaging to fade and no longer look high-quality. In addition, window fronts can only be blocked with shelves with difficulty, which means that supermarkets gain space by omitting the windows.

What other tricks are there?

Have you ever noticed that most supermarkets have tile floors? On the one hand, this can be easily cleaned, on the other hand, the shopping trolleys make a lot of noise on it. In order not to attract attention, most people then walk very slowly through the store.

This also tempts you to browse a little more and thus spend more money. Tricks like this quickly end up with things that we didn’t need at all. If the supermarket gets a little fuller, then pay attention to the music: It will probably be more dynamic and faster. This drives people on, so the store empties a bit quickly.

In this way, among other things, we as customers are constantly guided and influenced without us noticing it directly. You can only avoid these effects if you think carefully beforehand about what to buy.

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Washing Clothes: 3 Tips For The Washing Machine That Save Money

Washing machines are among the biggest power guzzlers in the home. But with these 3 tips you can save money when doing laundry.

Save electricity with the washing machine: This is how you save money

Tip 1 – Wash laundry at low temperatures

Most people always wash their clothes with the same program and at the same temperature. But that is often higher than necessary. There are tons of detergents in the drugstore these days. Thanks to advances in the detergent industry, most of them have one thing in common: the washing power of the detergents is so high that they can fully develop their cleaning effect even at low temperatures. Many remove light soiling and the smell of sweat even at 20 degrees. As far as the cleaning effect is concerned, it makes no difference whether you wash laundry at 30 or 40 degrees.

Therefore: If possible, wash at 30 instead of 40 degrees. In this way you can save an average of 17 euros a year and at the same time avoid around 25 kilograms of CO2. The Federal Environment Agency has also calculated that private households can reduce their electricity consumption by around 37 percent if they consistently use lower temperatures. In view of the current price increases in the energy sector, this should definitely be worth considering.

In a few cases, however, you should make an exception to washing at low temperatures. Laundry from sick or immunocompromised people, bed linen and towels should be washed hotter. The Federal Environment Agency also recommends washing at least once a month with a detergent containing bleach at 60 degrees to reduce the formation of germs in the washing machine.

Tip 2 – Load the washing machine fully

Many washing machines are now equipped with a sensor that measures the amount of water and doses the amount of water accordingly. If your machine is not one of these high-tech specimens, you should only switch it on with a full load if you want to save electricity with the washing machine. Compared to a half-full machine, you can save 24 euros a year. You also avoid 35 kilograms of CO2.

Tip 3 – Use the washing machine’s energy-saving program

Bad news for impatient minds: the longer a washing program lasts, the less electricity is used when washing. So-called “eco programs” use only half as much water as the normal standard programs and they heat up the water less. But they run longer. If you use the energy-saving program regularly, you save an average of 33 euros in electricity costs and 5400 liters of water when doing laundry. In addition, you avoid 48 kilograms of CO2 compared to a conventional 60-degree program.

Conclusion: Saving electricity when washing – easier than you think

The washing machine does not have to be a power guzzler. If you do everything right and follow these three tips, you can save a lot of money on the wash cycle. Especially in the current time, it is important for most people to pay attention to their power consumption – and that doesn’t necessarily have to be difficult.

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Versatile Savings Tips: How You Can Effectively Save Money and Energy

Rising energy and food prices are presenting more and more people with financial challenges. Many households can barely cope with their daily expenses. What to do when running costs eat up all income?

Take a close look at current contracts and insurance policies

The first step is to take a close look at existing contracts, advises the NRW consumer advice center. It is often possible to switch to cheaper tariffs, for example for insurance or mobile phone contracts. Many contracts are even superfluous and can be terminated subject to the contractually agreed deadline. That relieves the expenses.

Another spending trap is insurance. The following applies here: “As much as necessary, as little as possible,” advises the consumer advice center. Policies that only cover minor damage are often superfluous. For a standard vacation, for example, luggage insurance is often not necessary, since the loss of a suitcase is usually easy can be replaced. Mobile phone insurance usually has many gaps and pitfalls. You can usually save yourself this holey protection in the truest sense of the word. Glass and death benefit insurance are often dispensable. Extra equipment insurance for bicycles, laptops or glasses is only worthwhile for very expensive purchases. There are significant price differences for important insurance policies such as private liability or household insurance, so it is worth comparing prices. Modern policies often also offer better protection. Switching to annual payment can also save money.

You should also carefully check your current contracts for telephone, smartphone and internet. These are indispensable, but you can also save money here. You should first determine your actual needs. How many minutes are you on the phone? How much data volume do you use per month? If you know your needs, you can also compare the prices of different providers better. Product information sheets, which dealers must hand out on request, help with this. After the minimum contract period has expired, every telecommunications contract that is not actively extended, for example by a change of tariff or a new smartphone, can be terminated with one month’s notice. The change is therefore possible faster than you think. Porting your phone number is free regardless of the provider.

Pay attention to the fees for memberships and financial institutions and check the legal situation

If you have subscriptions or memberships, for example for magazines, streaming services or a gym, then you should also put them to the test. These are often particularly cheap or even free in the first few months, but over time high costs can arise. Especially a long minimum contract term of up to two years is often a cost trap in difficult financial times. Some contracts are automatically extended by a further year if you do not cancel in good time. The advice of the consumer advice center: check existing contracts, prioritize them and note the notice periods in order to end unnecessary memberships and subscriptions in good time.

Financial institutions have very different price models and fees for a current account or the use of a credit card. Some banks charge flat rates for account management, others charge a basic price plus costs for individual booking processes. Free account management is also still offered. Some banks also offer special conditions for students, trainees, pensioners or union members. A comparison of different banks can therefore be useful in order to reduce running costs. You can usually terminate current accounts at any time and without notice. There are no fees for closing the account. Particular caution is necessary with loans: the installments and additional costs put a strain on the budget. You should not exhaust the overdraft facility either, because double-digit interest rates are due here. In the case of acute and major financial problems, debt counseling should be sought in good time.

Rising costs for providers mean that prices in current contracts rise. However, this is not easily possible. Because once a contract has been concluded for a specific price to be paid regularly, the contractual partner cannot unilaterally change it. It is different if a price adjustment clause is agreed in the contract, on which the provider bases his price increase. Such clauses are usually found in the fine print, but are subject to strict requirements. In many cases they are ineffective, so that the providers cannot refer to them. So it’s worth taking a close look.

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Save Money and Energy: Washing Clothes at 30 or 40 Degrees – That’s How Big The Difference is

It doesn’t matter whether you wash the laundry at 30 or 40 degrees? No – because lower temperatures not only save energy and costs. You also have another advantage. How big is the difference really?

Washing at low temperatures: what about cleanliness?

As far as washing the laundry is concerned, many fall into a certain routine after a while – and then always wash at the usual number of degrees. At first glance, the difference between 30 and 40 degrees sounds very small; after all, it is just 10 degrees more that are generated in your washing machine. However, these 10 degrees are by no means low for the washing machine: it requires almost twice the energy if it has to bring the temperature to a full 40 instead of just 30 degrees.

The worry that the laundry won’t get really clean or isn’t hygienic if you wash it at lower temperatures is usually unfounded. Washing machine technology is so advanced today that laundry can be cleaned at just 20 degrees. A so-called hot wash (a wash cycle that can heat up to 90 degrees) is only necessary in the case of contagious diseases or a special need for hygiene – according to the Stiftung Warentest.

If you want to be on the safe side that the laundry is completely germ-free even at 30 degrees, you should let it dry in the fresh air if possible. Here, the sun kills various germs with the help of UV radiation.

Focus on costs and the environment

When comparing the washing temperatures, it can be seen that there is no noticeable difference in the cleaning effect.
However, if you take a look at power consumption and the environment, you can see some significant differences:

If you normally wash at 60 degrees and now turn it down to 40 degrees, about 50 percent of the electricity costs are saved
If you calculate this down from 60 to 30 degrees, you save as much as 67 percent.
Depending on the electricity provider, you save around 40 euros if you wash about three times a week. It is therefore worth switching to lower temperatures.
You are also doing something good for the environment, as the lower energy consumption and CO2 emissions can only be reduced by washing at lower temperatures; and by up to 35 percent. The Federal Environment Agency recommends: Washing permanently at the lowest possible temperature and only choosing a program at 60 degrees once a month to prevent the growth of germs in the washing machine. For example, bedding or towels should be washed.

Conclusion: washing at low temperatures – so what’s the point?

Unless you have an illness or other reason that makes you forced to do a hot wash, try to do a hot wash only once a month. You don’t lose anything when it comes to cleanliness: Today’s washing machine technology and detergents ensure clean laundry even at low temperatures.

If you wash at low temperatures, this offers advantages for you and the environment. On the one hand you can save money in the long run, on the other hand you also help to reduce CO2 emissions. In summary, there are no disadvantages for you if you wash at low temperatures.

The initial question as to whether it makes a difference to wash laundry at 30 or 40 degrees can therefore be answered in the affirmative. There is no noticeable difference in terms of cleanliness, but all the more so in terms of the environment and the costs involved.

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Business

8 Ways to Earn Pocket Money as a Housewife

Ways to earn pocket money as a housewife. Here are all the ways you can earn a few euros on the side and privately at home.

In addition, you will find many ways to earn money on the Internet.

1) Sell fruit and vegetables on the street

Just sell your own harvest on the street. Set up a table and make a big sale sign. Depending on the season, you can sell tomatoes, apples, cherries, carrots, pears or strawberries. Especially people from the city love to bring fresh fruit or vegetables to the country. Passing buyers can also conveniently throw the money into your mailbox.

2) Sell jams and preserves

You can also sell preserves such as jam or fruit compote at the flea market, on the street or at school. There is currently an increased demand for home-made products among consumers.

3) Muck out the basement and do a flea market

Muck out the basement or attic at least once a year. Because there is money in there. Clothes and dresses for women and children are particularly suitable. They always sell very well.

4) Sell junk in classifieds

The bulky things or special things can all be sold well as classified ads. An old antique cupboard from the basement can be worth several hundred euros to enthusiasts.

5) For other plasters

If you already clean the stairwell regularly, you could also ask your neighbors. So you can earn 10 to 20 EUR per month.

6) Baby sitting

Simply offer your services as a babysitter with a few notes in the supermarket or on the street lamps. So you can earn some money on the side and maybe have a lot of fun with the little babies.

7) Childminder with other children

If you already have children to spend time with, you can also offer your services to other mothers. If you can imagine earning real money with it, you can also become a real childminder.

8) Take care of animals

If you enjoy spending time with animals, you can help many people, especially during the holiday season, by dog ​​sitting, cat sitting or animal care. A few more animals at the same time and you can collect real money for the household budget while the neighborhood is on vacation.

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Recommendation for Children Pocket Money

How much pocket money should a child get? Housewives recommend their pocket money for children from 5 to 24 years of age. Opinions have long been divided on how much pocket money one should give children. As a point of reference, we have therefore collected the recommendation for pocket money in this article.

How much pocket money do children get?

A child’s pocket money depends mainly on their age, the environment, and their costs. Pocket money in particular at the age of 16 is a sensitive issue. That’s why we’re giving you some advice on what to look out for. In the following list, you will therefore find valuable tips on how to find out the perfect pocket money. Also, note the guide on How to save during school time.

1. Children up to 5 years

At this age, dealing with money is not yet developed, which is why you should be given little or no pocket money. The recommendation for pocket money is 1 euro per month, which is completely sufficient here.

2. Children pocket money from 6-9 years

At this age, most children ask for their first real pocket money. This should also be granted to you, but one should not overdo it. It is best to start with 4 euros and increase the children’s pocket money by 2 or 3 euros every year.

3. Pocket money from 10-12 years

Most children start middle school at this age and feel grown-up. For this reason, it is advisable to give them 15-20 euros a month from now on. This is enough to buy something of your choice at the school kiosk or on the way home.

4. Children 13-15 years old

Money management is becoming more and more important, so while they should be given a little more money, they should also be encouraged to manage their own money. The pocket money recommendation here is 25-30 euros per month.

5. Adolescents aged 16

When it comes to pocket money for young people aged 16, it is important whether the child goes to secondary school or starts a job. If the child decides to go to school, he should be given 100 euros a month, which should also be used to finance his lunch at school. If the child decides to go to work and earns its first money itself and actually no longer needs any money from its parents. Here you should not go higher than 45 euros.

6. Pocket money for young people aged 17

Most young people start saving for a driver’s license and a car and of course hope for the support of their parents. The recommendation here is to either finance the child’s driver’s license in one fell swoop or to increase their pocket money a little.

Depending on your choice, the money can vary from 100-150 euros. However, this only applies if the child has embarked on a school path. Apprentices usually have enough money to finance their driver’s licenses themselves.

7. Young adults aged 18-19

Actually, 18-year-olds are of legal age and are no longer children. They should still be supported financially as most have yet to find a foothold in the working world. However, one should not increase the pocket money so that you are in a hurry to earn your own money. The recommendation here is still 100-125 euros. However, once they have found a job, it is no longer advisable to give them pocket money.

8. Adult children up to 25 years old

It looks different from point 7 when the children decide to study. If necessary, they should be given financial support for their studies. However, how much support you get is up to you and depends on where and how long the adult is now studying. Here it is best to arrange the pocket money with your child personally. Also, note our guide on how to master homework independently and without stress.

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Lifestyle

Tips and Rules for Handling Money for Children

Dealing with money for children is basically an important skill in today’s everyday life in order to get along with society. The child first has to learn that the money doesn’t just come from the ATM.

It is crucial to teach the child how to save or earn money. This is the only way the money can be spent as sensibly as possible. It is important for the parents to explain to the child as early as possible how the connections are made and where the money comes from.

Explain the connections

Children do not yet know that money cannot be spent indefinitely. At first, some questions are relatively easy to answer. The aim is to teach the child how to handle money responsibly. Nevertheless, it is important that the children make their own experiences with money. The child should therefore be given the opportunity to have their own budget. If you consult experts on this topic, pocket money is recommended.

The phenomenon of money

Money is a real phenomenon for a child. The child must first learn and grasp what it means to pay money and the benefits of saving money. The child should of course be allowed to be a child for as long as possible, so it is important not to overwhelm the offspring. Nevertheless, the little ones have to be prepared for growing up later, which should not be missed. Dealing with the money and the associated rules are part of it.

Savings account for the child

The money does not always have to be spent immediately, so it is advisable to open a savings account for the child. In this way, the child can save money and possibly fulfill a bigger wish from time to time. A savings account is therefore ideal in addition to a piggy bank. Bringing money to the bank is particularly exciting for children because it is a real experience. After all, there is even interest in the form of additional money. Depending on the case, certain framework conditions also play a role in the corresponding savings products for children.

Use different investment opportunities

There are free variants for the complex, which are interesting for children. In addition, the bank usually offers a special service for the little ones. It is also an interesting experience for the child to visit a bank branch and see it from the inside. That way it gets a better idea of ​​money. There are classic savings accounts that yield relatively little interest, and there are other options for young teenagers, such as a so-called call money account. As a rule, the child usually always wants to have the chance to dispose of their own saved money. It is therefore not suitable for her to choose a fixed term. With teenagers, however, all banking transactions should always be carried out under the supervision of their parents.

Pocket money for the children

Regular pocket money can also bring the child closer to handling money and introduce it to it. It is the responsibility of the parents how much pocket money it will be and of course, it depends on the parents’ own financial situation, which should be used as a guide. The pocket money is best staggered, depending on the age and maturity of the child. Depending on the needs of the child are to be included accordingly.

Six-year-old children have different wishes than, for example, sixteen-year-old teenagers. Therefore, it is also important to keep an overview of pocket money on a monthly basis. Pocket money should be paid to the child weekly if possible. Youth welfare offices provide guidance in the form of tables, such as:

  • 6 years: 50 cents a week
  • 6-7 years: 1.5-2 euros per week
  • 8-9 years: 2-3 euros per week
  • 10-11 years: 13-16 euros per month
  • 12-13 years: 20-22 euros per month
  • 14 to 15 years: 25-30 euros per month

  • 16-17 years: 35-45 euros per month
  • from 18 years: approx. 70 euros per month

Depending on what expenses the child should have, this is of course also related to the amount of pocket money. This means that the question arises as to how much pocket money has to be or what has to be paid for with this money. After all, the child should know which costs are covered and which are not. Incidentally, pocket money is not intended to be used by the child to pay for sporting activities or their own food or school supplies, because the parents should continue to bear these costs. First and foremost, the pocket money is not there to buy toys or sweets in everyday life.

Pocket money is not leverage

As far as the child’s psyche is concerned in terms of pocket money, the pocket money should never be used by the parents as a means of pressure on the child, because this does not make pedagogical sense. If pocket money is given, it should not be related to the behavior of the child. It is therefore neither an instrument of punishment nor of reward.

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Tips for Saving Money with the Piggy Bank

Save money cleverly with the money box. Accordingly, “Save in time, then hasten in need”. This is an old saying that makes perfect sense today. Because the cost of living and other costs are constantly increasing. So tips are needed to save money.

It is becoming increasingly difficult to save money and put an emergency egg aside. Because running costs eat up a lot of money and every now and then you want to treat yourself to something good. But how do millions of people manage to save a little? We have tips on how a piggy bank can help you.

Different ways to save money

Actually, it’s not that difficult to create a nest egg. You just have to want it. Anyone who plans to save and does nothing has said a lot in the end, but empty trouser pockets. Therefore, you should choose one or more money-saving methods. Simple tips for saving in the household can help. But an account for savings or the classic money box will also help you to save.

1) Create a savings account

Creating savings accounts is certainly still the most common form of investment for Germans to save themselves an emergency fund. But often we tend to just take some money from this account. So the savings are gone faster than you would like. Therefore, in addition to such a savings account, you should use the classic money box. You should also follow our tips for saving electricity and saving money.

2) Use the money box to save money

If you want to save money, a money box, also known as the piggy bank, is worth it. Because in it you can collect the many and mostly useless small change. If you diligently save the small change with it, you will end up with an incredible amount of money in the long run. It is best to place the money box where you regularly walk past. For example in the hallway or the kitchen. Because the kitchen is the most central part of an apartment in almost every German household. The savings note is also particularly suitable for the pocket money of children and young people.

3) A community money box

In order to be able to save a lot of money, the whole family should take part. The piggy bank should be given a name so that everyone can participate vigorously. Either “Piggy” or “Horst” or vacation, wellness, and laptop. If you’re saving for a common cause, like a vacation or a dog, it’s a lot more fun. And everyone has spare change. This usually weighs heavily on the wallet. So put it in the piggy bank! You can also teach your children how to handle money.

4) Make your own piggy bank

It is also a great idea to make a money box with the children yourself. This is fun and ensures an individual money box. This can increase the motivation to save.

5) Benefits of saving money with a piggy bank

This piggy bank method offers a number of advantages. Therefore, saving money with the money box makes sense even today. It is a suitable saving method not only for children but also for adults. Because many save in this way throughout the year and in the end afford a nice meal in a relaxed atmosphere, a small holiday trip, or a wellness weekend for two. We have collected the following advantages for you.

  • A lot of money is raised. Depending on the piggy bank size and saver participation, a lot of money can be collected.

  • A good approach for children. Because the “piggy bank method” can teach children how to handle money at an early age.
  • It makes saving money easier. Since it is not difficult for anyone to sacrifice a few cents from their wallet or to put the sum of the empties in the piggy bank, the method makes so much sense.
  • The money is safe. Usually, you don’t get the money that quickly, because not all money boxes have an additional opening. This prevents you from quickly stealing money.

6) Nice money boxes from the internet

If you don’t have time to make a piggy bank yourself, you can just as easily use an old mason jar or another container. Or you can buy a nice money box from the internet. Here you will find great and funny models. With these, saving can only be fun. Some even have a built-in counting function. Or keep an eye on your household budget with the envelope method. Then there will definitely be something left over to save.

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4 Ways to Make Money Online

Here you will find all ways to make money on the internet. Because these are ideal for improving the household budget. Therefore, use one of the many easy ways of working from home to earn money on the side and work from home.

Features Online side income

Who does not know it? At the end of the month, money is tight again. Or the beautiful shoes that you’ve been flirting with for a long time are now on sale and you absolutely have to have them, but you don’t have enough money? Then you should use one or more ways to earn money on the Internet and improve your account balance. Many types of homework to earn money on the side are possible without much effort. All you need is internet access and a little time. Although you can also earn pocket money without the Internet, it is easier with great and serious sweepstakes and other online opportunities. Accordingly, the online additional income offers you the following properties and advantages:

  • All offers can be completed online on your own PC at home.
  • Free scheduling of homework is ideal for everyone.
  • Monthly additional income of 5 to 1000 EUR for the household budget possible.
  • It is a well-known fact that small animals also make crap.

1) Cashback when shopping online

If you’re looking for bargains on the internet, why not make some extra money? Because that’s very easy with the cashback principle, where you receive a refund for your Internet order. So you can save with cashback by getting credits of up to 20% of the purchase value when shopping on the Internet. We can recommend the following cashback providers:

  • aklamio.com – money back at over 1,000 shops and promotions. Invite friends for deals, products, or promotions, get money for it or share the bonus with friends.
  • igraal.com – Earn money easily on the Internet for every purchase in over 1,500 partner shops. With €5 starting credit. The Cashback Finder Toolbar automatically shows you suitable shops as an alarm in the browser.
  • shoop.de – Get money back for your purchase. With over 2,000 partner shops and many types of bonuses. Refer friends and earn extra money up to the 2nd level.

2) Earn money on the Internet with a paid home page

The principle is simple and ingenious. Because you get a small amount credited for each visit to your home page. As a result, you collect a small extra income while surfing the Internet. And that without active efforts, it hardly gets any better. So the next time you hunt for bargains on the Internet, think about using a paid homepage. Here are the best providers:

  • klamm.de – Remuneration per call to the home page at 0.2 cents. An old community with news and many features like chat and forum for members. The payout from 5 EUR. [You can find an explanatory video here]
  • netzis.de – You’ve come to the right place to earn money on the Internet. Because Netzis offers a fee of 0.25 cents with a reload lock of only 20 minutes. There are also other money-making features.
  • mogh.net – This is a kind of entertainment website with various earning opportunities. You collect so-called mCoins, which you can exchange for prizes, read the test and field reports here.

3) Make money from home with an online search engine

Would you like to earn money easily and simply from home? This works out. If you use search engines for your forays into the World Wide Web every day, why not get money for that too? The idea behind it is simple and ingenious! Because with the right search engine you can earn money on the Internet. This will then be credited to your free checking account by bank transfer. The money you earn can also be transferred to you via PayPal.com. Sign up now for free and start earning money right away from home:

  • tixuma.de distributes 80% of the advertising revenue from the entire search engine to all active users. Thanks to a sophisticated friendship system, you also earn money for each of your recruited internet users. And that over 9 levels.
  • swagbucks.com – Offers you a variety of ways to make money online. You will find cashback, surveys, and a paid search engine here. You can then have your collected bonus points credited to your PayPal account.
  • bing.com – Even the reputable search engine from Microsoft needs more visitors. That’s why you can collect bonus points here with the Microsoft Rewards program and the search engine, which you can then exchange for vouchers and prizes.

4) Bonus portals with bonuses

The principle is simple: you take part in campaigns and receive a small bonus as a credit to your account. You can easily earn money at home by registering in a community or in an online game. There is also money for free product samples or participation in sweepstakes or surveys. You will also receive money as a reward when you carry out a comparison of electricity providers, gas comparisons, or insurance comparisons. The best providers of such bonus programs on the Internet are as follows:

  • aklamio.com – Collect bonuses when shopping in over 1,000 premium shops or with great bonus campaigns. Additional discounts with the Browser Cash bar. Invite friends and earn money.
  • earnstar.de – Money for online games, sweepstakes, samples, surveys, mails, free, or cashback. Constantly interesting promotions and specials. With a 5 euro start bonus.
  • questler.de – is one of the classic services for various ways to earn money on the Internet. You can generate a regular income.
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