Budget optimisation - a smart thing

»By saving potentials in everyday life we are financially more flexible at last.«

 

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Perfect housekeeping: How to make the most of your monthly budget.

Each of us has monthly fixed income and expenses. Only very few of us take the trouble to question these values. The effort is worth it. There are many savings potentials, they just have to be found. Are you perhaps paying too much for your existing insurance policies? Is there a cheaper alternative to your current electricity provider? Aren't the monthly premiums from another health insurance company cheaper after all? We will be happy to help you save cash, which you can reinvest as you wish.

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[Translate to english:] Haushaltsoptimierung: Junger Mann lächelt zufrieden

»Our dream is to live in the moment and to fly together on holiday. Without having to pay attention to money.«

At the age of 32, I have a good job in an architectural practice. That's where I found my place and I'm very excited. The bottom line, however, is that neither the financial nor the temporal outcome are ideal for me and my friend Katja. She is 28 years old and works as an educator. We have been a couple for four years. We are planning a common future and would like to save money for it. An unforgettable wedding would be nice, and we also wish for children. A beautiful house of our own with enough space is also a great wish. So far our financial possibilities are not enough. Again and again, enjoying and relaxing is not enough. Our dream is to live in the moment and to fly together on holiday without having to pay attention to money. In this holiday I would like to make her a proposal. Everything should be perfect. Unfortunately we cannot realize all this at the moment. At least we attend a cooking course together once a week, that's a small consolation.

Phillipp K.,
Bonn

[Translate to english:] Einsparpotenziale: junges Paar genießt Picknick auf Wiese



»Quality of life is important to us.«

[Translate to english:] Finanzberater lächelt

»By budget optimization we can invest more money sensibly.«

I am 36 years old and have a lot of experience in the area of finance through my work at OVB. But that's not all I'm interested in. In my spare time I love to eat out of the ordinary and cook accordingly. During my weekly cooking course I got into conversation with a young couple who seemed happy but also tense together. They told me about their joint plans and their desire for holidays, which they simply could not afford at the moment but could use. I wanted to help both of them get a little closer to their happiness and save more efficiently in an easy way: We made an appointment and worked out a budget optimisation plan together.

Thomas V.
Financial advisor

Analysis interview

The analysis interview enables you to get to know your financial intermediary and express your wishes. You can check for yourself whether you can imagine further cooperation. This is the first step towards a sound pension plan. Ask your agent everything you want to know.

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[Translate to english:] Junges Paar lässt sich über Haushalten beraten


»We were amazed at how much potential we had with the right financial plan.«

[Translate to english:] Finanzberater lächelt

»Through individual consultation, the budget optimisation plan is perfectly adapted to your wishes and possibilities.«

»In many ways, money can be saved in everyday life and invested in other, meaningful places. The topic of household optimisation seems confusing, but is easier to implement than you think. Small measures bring long-term advantages and increase satisfaction. Your personal OVB financial advisor can help you identify your individual potential and priorities. With a good structure, you can avoid unnecessary expenses and concentrate on the things that make your everyday life richer.«

Thomas V.
Financial advisor

Getting the best out without compromises - insight into budget optimisation

Why close your eyes to the confusion and pay for it when you can really save when it comes to budget optimisation? The smallest tricks can ensure that you don't waste your money, but can invest it in the best possible way - in yourself and your own wishes.

You don't just have to wander through the jungle of possibilities, you can also rely on the support of your personal financial intermediary.

Individually there are many areas in which money can be saved in daily life without any particular loss.  Through structuring, these can be better defined and savings potentials more easily identified. It is easier than it seems.

Your personal financial intermediary is a specialist in recognising advantages and pitfalls and can compare these with your individual needs. For a carefree everyday life without compromises.

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Apartment

  • Electricity
  • Gas

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Lifestyle

  • Car
  • Consumption

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Health

Statutory health insurance

 

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The saved contribution gives free space for more fun »sport, vacation, Netflix« and more future »old age provision, supplementary health insurance, investment savings plans«.

[Translate to english:] Kleiner Junge spielt neben Glas mit finanziellen Ersparnissen



»New freedom through savings«

What will be better through budget optimisation?

  • An overview of your own expenses and savings possibilities saves you unnecessary expenses in the long run.
  • Money that flows less into annoying needs can be invested in the freestyle - in yourself.
  • Your personal financial intermediary can support and relieve you in this matter, you can lean back.

Where savings opportunities exist, they vary individually and depend on your personal needs and demands in life. Your financial intermediary will be at your side to ensure that you make no compromises and have to do without something that is important to you. Instead of seeing your money run away, with the right plan you can invest it in things that make you happy - every day.

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Individual solutions

In the consultation we explain the suitable financial solution, tailored to the individual needs of each customer. Only products from first-class partners are selected.

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[Translate to english:] Junges Paar lächelt zufrieden über Haushaltsoptimierung


»We look
optimistically in
a common
future«

[Translate to english:] Haushaltsoptimierung: Junger Mann lächelt zufrieden

»Through budget optimisation we can do both: Save money and live well.«

»Getting to know Thomas helped us a lot. Saving in everyday life was not possible until now. With the support of an expert like him, who brings our individual wishes and possibilities into harmony, we are soon ready to plan our trip. We were so amazed at what is financially possible with a good plan that we now regularly take advantage of his advice. I am very happy and so is Katja. That the money was even enough for a nice engagement ring she will experience on our common journey...«

Phillipp K.,
Bonn

Serviceinterview

During the service interview, you check your life situation with your financial intermediary. With every major change, it makes sense to exchange ideas with your financial intermediary so that your provision can be further optimised.

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