From BZ/dpa
Under the pillow, in the money box or in a separate account? If you want to protect your savings from your own access, you should think carefully about where to put them.
Those who can still put money aside in times of rising prices can consider themselves lucky. Because a financial cushion can never hurt – especially in view of the upcoming additional payments for electricity and gas. But what to do with the money?
“In any case, don’t leave the nest egg on the checking account that receives the salary and from which the current expenses are deducted,” advises Prof. Hartmut Walz, a financial economist at the Ludwigshafen University of Applied Sciences.
Keeping the money at home in cash is also not a good option, says Annabel Oelmann, director of the Bremen consumer advice center. Because if you don’t remove what you have saved from the immediate sphere of haze, you run the risk of spending it at a weak moment.
Probably the simplest solution for most people: a separate account, for example for overnight or time deposits.
“This separation makes uncontrolled access much less likely because it increases the access threshold,” says financial expert Walz.
Anyone who also banishes the separate account from daily perception protects themselves additionally.