You want to know where you spend your money, and how much you’re spending compared to other households. The idea is that you start budgeting better and learn how money management can save you more.

Save on unnecessary costs

Grocery money, mortgage payments, utility bills, insurances—it seems like there’s no end to our household expenses. And we all know cutting costs isn’t as simple as just turning off lights when you leave a room or unplugging appliances after they finish their cycles. Fortunately, there are plenty of ways you can save money on household expenditures without completely overhauling your lifestyle.

If you’re looking for ways to save more money, start by taking a look at your finances—online bank accounts and credit card statements are great places to do so. In fact, it can be an eye-opening experience that helps you see exactly where your money is going. Once you have insight in your spending you can start making small changes.

Get personal advice with this tool

Are you curious how your expenses compare to similar households? The Nibud Personal Budget Advice (Dutch) shows what average expenses are for households comparable to yours. You will then receive tips on how to improve your finances.

How does it work?

Go to Nibud Personal Budget Advice and fill in your details. This is anonymous. First you enter the number of people in your household and how you live. Then you make an overview of your expenses, grouped by category. For example: insurance, housing costs, household money, clothing, subscriptions, etc.

Each category contains an 'open calculation help' option. Here you can easily make a financial overview for yourself, based on your expenses.

Have you completed all steps, then click through to the result. Here you can see the comparisons with other households and what savings are possible in your personal situation.

Save more

Would you like to save more? Then you now know where you can save money. Click on 'open tips' and discover what tips Nibud has for your unique situation. See which small changes you can make so that you save more money and spend less on unnecessary items.

Automatic saving

With insight into your finances, you know exactly how much you can save. How nice would it be if that saving is fully automatic? Then you don't have to worry about it at all. In the Flow app, you automatically fill your piggy banks when your salary is paid. Download Flow today!