Most people save what is left… which often means nothing. Flip the approach: set money aside at the beginning of the month, not the end.

Many keep all their money in one current account (usually the salary account), mixing spending and saving. The result? Money “vanishes” faster than expected.

Take the first step today: set a fixed amount from your income to be saved automatically at the start of each month.

Open a savings account with interest. As soon as you receive your salary, transfer a portion into it.

Separate your savings so you don’t spend them by accident. A savings account helps you stay disciplined and earn interest.

Education, health, and your child’s future come at a cost. The best time to start saving? Today.

Expenses related to education, healthcare, or housing are constantly rising. Many parents realize too late that they’ve saved too little.

Open a flexible deposit dedicated to your child. You’ll benefit from attractive interest rates and can make deposits anytime, even small ones — time makes the difference.

One of the most valuable gifts you can give your child is a solid financial start in adult life.

Don’t know where your money goes? It’s time to find out. Make a plan and take control!

Without basic financial education, it’s easy to lose track of your money. Small but frequent expenses, lack of planning, and impulsive decisions lead to debt and insecurity.

Learn to understand your income and expenses. Set goals, build a monthly budget, and start saving — even small amounts. It’s easier than it seems if you start informed.

Saving just 10 lei a day adds up to 300 lei a month — enough to build an emergency fund in a few months.

No matter your income, financial education gives you control, clarity, and security.

Thinking about a loan? Start with the right questions — not with the signing of the contract.

Loans are useful tools when used correctly. Many people choose loans without understanding the real costs or ensuring it’s the right decision.

Before taking a loan, ask yourself if you truly need what you’re planning to buy. Then, check the APRC (Annual Percentage Rate of Charge), which includes all costs — interest and fees — over the loan period.

Also, make sure your monthly installment doesn’t exceed 25% of your net income, so the loan doesn’t become a burden in tougher economic times.

A loan can be a helpful tool — if you choose it wisely.

You don’t need complex formulas to manage your money — just simple habits. Start with a small step.

Many people never learned how to manage their money. The result? They spend it without realizing.

Financial education isn’t about complicated formulas — it’s about simple, consistent habits: monthly budgeting, saving, understanding loans. Start with small but steady steps.

A simple habit — tracking all expenses for a month — can completely change how you view your money. You’ll discover where it goes and how to redirect some toward savings.

Financial education is power — and it’s never too late to start.

A card can be your ally if you know how to use it. Learn the key differences.

For many, a card is just a payment method — without knowing whether it’s debit or credit. This leads to unnecessary debt, fees, and penalties (e.g., cash withdrawals with a credit card).

• Debit card: uses your own money. Ideal for daily payments, usually without fees.
• Credit card works like a short-term loan, available whenever needed.

A credit card can be an ally: you can make purchases without interest if you repay the full amount by the end of the grace period (usually up to 50 days).

Do you know how much your current account costs? It might be more than you think. Here’s what to check.

You pay, withdraw, transfer — but do you know the cost of your current account? Many don’t use it to their advantage.

Choose a current account package that fits your lifestyle: no maintenance fees, online access, included card, and free ATM withdrawals.

And most importantly, don’t keep your savings in your current account — it doesn’t earn interest.

If you pay 10 lei/month in maintenance fees, that’s 120 lei/year. Choose a current account package with zero fees or salary-related discounts, and move your savings to a separate interest-bearing account.

A budget isn’t a restriction — it’s freedom and security. Start with the 50/30/20 method.

Without clear tracking, money “evaporates” and you never know why it’s not enough.

Build a simple personal budget. List all income and expenses for a month, then divide your money using the 50/30/20 method:

• 50% for needs (bills, rent/mortgage, food)
• 30% for wants (leisure, shopping)
• 20% for savings and debt repayment

We recommend starting with savings first, then expenses — to ensure you have saved the amount you wished.

Financial freedom starts with a clear budget. It’s not a brake — it’s a roadmap to better decisions.

A current account doesn’t earn interest. A deposit does. See how your money can work for you.

A current account isn’t for saving — it doesn’t earn interest, and inflation reduces your money’s value over time.

A bank deposit offers fixed interest and security. Choose a term that fits your goal and open a deposit. Your savings start working for you.

There’s also the option of a flexible deposit, which can be closed if needed without losing the accumulated interest.

If you deposit 10,000 lei for 12 months at 5% annual interest, you’ll earn ~500 lei (before tax), risk-free, guaranteed by the Bank Deposit Guarantee Fund (up to €100,000 per depositor per bank).

A bank deposit is ideal for short- or medium-term savings, without risks.

A personal loan can help in times of need. Learn how to use it to your advantage.

It’s a quick solution for unexpected expenses, home renovations, major events, or refinancing other debts. But used impulsively, it can become a financial burden.

Before signing:

• Clearly define the purpose of the loan. Avoid borrowing for vacations or impulsive purchases.
• Check all loan features (fees, interest rate, repayment period). Don’t focus only on the monthly installment.
• Review your budget. The monthly payment should not exceed 25% of your net income. Example: If your income is 4,000 lei, the monthly payment should be under 1,000 lei.

Used responsibly, a personal loan can help you reach your goals. Used carelessly, it can trap you in a cycle of debt.

Always ask yourself: Do I really need this loan? And can I repay it without stress?

Just starting out? Learn to manage your money today. Even saving 50 lei makes a difference.

Without a budget, you’ll reach the end of the month (or week) without knowing where your money went. Small expenses add up quickly.

Even if you’re just beginning, start with a simple budget: write down all your income (money from parents, job, scholarships) and regular expenses. Then decide how much to save each month — even 50 lei counts.

Receiving 1,000 lei monthly? Set aside 100 lei in a separate account for savings or goals (new phone, vacation, course).

Small habits today build financial security for tomorrow — because it’s not about how much you earn, but how you organize your money.

A family budget means less stress and more control. Here’s how to build one.

Without a monthly budget, household expenses can easily get out of control, and savings are delayed.

Set a clear household budget together: food, utilities, loan payments, education, savings. Involve the whole family, including older children — it’s a valuable lesson for everyone.

If your monthly income is 8,000 lei, set aside 1,600 lei for savings or an emergency fund. Divide the rest wisely into fixed categories to avoid impulsive spending.

A budget means control and confidence in the future.