Striving for low complexity and high flexibility: - low fix cost per month - should be possible to cancel subscriptions within a month - rather rent than buy

Striving for low complexity and high flexibility: - low fix cost per month - should be possible to cancel subscriptions within a month - rather rent than buy (flat, car sharing etc.) - no loans - money to save goes on a saving account - define low limits for max. amount of money to withdraw on accounts - get proper insurance coverage - avoid Paypal and other 3rdparty banking services No need for any fancy tools and I have more money available to put away than ever. I only use a tool for my tax declaration, but since I simplified my financial setup so much I could even do it without a tool nowadays...