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Are you among the majority of taxpayers who file their tax returns in December? What if we tell you it isn’t a good idea? To start filling in your tax return at the beginning of the year is much better, and in this article we explain why.
Perhaps you're leaving home to go to university, move in with your partner or simply because it's time. Congratulations! From now on, you can deck the entire place out from top to bottom in your favourite colour and listen to loud music at three o’clock at night to boot. But now everything will cost money as well: here are some important tips on how to avoid going broke straight away.
Regardless of whether you rent or buy, pay attention to the energy rating: most new buildings have an energy performance certificate and are classified in categories A to C, which is very good. Most average properties, however, are in categories D to G, which means that they have higher energy consumption. When renting, check whether the doors and windows are airtight and follow simple rules to keep your living costs down:
A croissant in the morning, a sandwich for lunch, a takeaway coffee and a pizza delivered in the evening: food costs soon mount up! If you learn to cook a few simple recipes, stock up on supplies and write a shopping list for the week, you won’t buy too much and you'll end up eating better and for less.
Save money regularly by setting up a monthly standing order, for example, so you no longer even have to think about it.
Don't want to rent forever? When buying or building a home, the government can help you with a government guarantee. To be eligible, you must fulfill the following conditions:
Subscribing a building loan agreement will enable you to save money and get an attractive interest rate on the loan and a government guarantee later on.
The building loan agreement is also tax-deductible.