It is difficult to enforce the saving rule because it varies by age and level of revenue. Ten percent is a good start. If you find that % is too high for you, do not let it discourage you. Start by saving yourself a small amount each month, which you increase with each month.

It depends on what you need. We can send you the complete questionnaire. Based on your answers we will be able to prepare a customized personal finance plan specifically for you. If you need more detailed information with a personal financial consultant, please call us on +386 70 664 433, or write at info@harvest.si.

Create a budget. Find out how much you actually spend each month. There are fixed costs, such as rent, loan repayments, etc., which are present every month and we can not change anything in this regard. Variable items, such as food, clothing and entertainment, are often those we do not think of. The solution is to create a balance sheet and control the inflows and outflows of your assets.

Financial planning ensures the direction and significance of your financial decisions. It allows you to understand how each financial decision affects other financial areas. For example, the conclusion of a particular savings product can help you fund your child's higher education or provide satisfactory financial resources for a decent retirement. With additional financial resources, it is much easier to adapt to potential life changes, or feel safer when you know that you are following your goals.