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Strategic budget planning 2025: Foundation of your financial success

Exclusive tool: Use our advanced budget calculator and professional budget template to make a precise financial plan.

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The basics

A well-considered budget is the foundation for financial stability and success. Particularly in times of rising costs of living and economic uncertainty, it's essential to keep an eye on your income and expenses. Strategic budget planning helps you achieve long-term goals and manage unexpected costs.

Why is budget planning important?

Keep your finances under control.

Avoid debt and achieve your savings goals.

Make provisions for unforeseen expenses.

How to proceed

1. Analyze fixed costs
Analyze your monthly fixed costs (e.g. rent, insurance, subscriptions). Reduce costs where possible, for instance by switching provider or renegotiating contracts.
2. Assess subscriptions
Take stock of your current subscriptions (streaming services, gym, etc.). Cancel those that you no longer need or rarely use.
3. Adjust variable costs
Adjust your spending on leisure, clothing, and shopping to the current economic environment. Make a monthly budget for variable costs and track your spending.
4. Make provisions
Factor in 10-15% of your net income for unexpected expenses. Use secondary accounts or savings plans to clearly separate provisions from your daily household budget.
5. Use digital tools
Use the smzh Budget Calculator to plan and monitor your finances carefully. Our professional budget template supports you additionally in creating a clear overview of your finances.

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smzh ag for you

As an independent financial partner, smzh ag offers:

  • Personal advice: Together we analyze your income and expenses to develop a tailor-made budget.
  • Efficient tools: Use our free budget calculator and budget template to optimize your financial planning.
  • Long-term support: We accompany you in implementing your financial goals and are ready to help if you have any questions.

We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.

Contact us

    Strategic budget planning helps you ensure your financial stability and achieve your long-term goals.

    We recommend earmarking 10-15% of your net income for unexpected expenses and emergencies.

    Thanks to our smzh Budget Calculator and budget template, you can easily track and optimize income and expenses.

    Check whether you can switch to a more inexpensive provider or renegotiate existing contracts.

    We take a close look at your finances, provide tools, and guide you in implementing your goals.