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"Restaurant VAT Cut to 7%: Is Eating Out Actually Getting Cheaper?"

"Since January 2026, restaurants in Germany pay 7% VAT. Prices have barely dropped. Why that is and what it means for your budget."

Mar 10, 20264 min readVATRestaurantsFood PricesMinimum WageConsumer PricesEating OutTax Cut

Data & Insights

"1.9% Inflation: What the Number Actually Means for Your Budget"

"The official inflation rate is 1.9%. Your personal rate could be much higher. Why the average is misleading."

Mar 7, 20264 min readinflationconsumer price indexDestatiscore inflationpersonal inflation rateservicescost of living

Finance Tips

"Vorabpauschale 2026: How Your ETFs Get Taxed in Germany"

"Base rate 2.53%, roughly 33 EUR tax per 10,000 EUR portfolio. How the Vorabpauschale works and why your tax-free allowance matters now."

Mar 7, 20266 min readVorabpauschaleETFTaxBase RateFreistellungsauftragCapital Gains TaxSparerpauschbetrag

Finance Tips

"Minimum Wage at 13.90 EUR: Who Benefits, Who Pays the Price"

"4.8 million jobs affected, Minijob threshold at 603 EUR, and 40% of businesses planning price hikes. What Germany's new minimum wage means for you."

Mar 7, 20265 min readminimum wageMinijobwage increaseconsumer priceshospitalityDestatisDIHK

Data & Insights

"Record Financial Wealth: Why Half of Germany Has Almost Nothing"

"9.389 billion EUR in private financial wealth, but the bottom half barely owns any of it. The numbers behind the record headline."

Mar 7, 20265 min readFinancial WealthWealth DistributionBundesbankDIWSavingsETFSavings RateInequality

Finance Tips

Germany's 2026 Cost of Living Reality Check: What Policy Changes Mean for Your Relocation Budget

CO2 auctions, higher health insurance rates, and a €63 Deutschlandticket are reshaping Germany's cost of living in 2026. See the real numbers before you relocate.

Mar 5, 20266 min readCost of LivingRelocating to GermanyExpat FinanceGermany 2026Healthcare in GermanyDeutschlandticket

Finance Tips

"Energy & Mobility 2026: Carbon Price, Transit Pass, Commuter Allowance"

"Electricity at 36.5 cents, Deutschlandticket getting pricier, commuter allowance going up. What changes for energy and mobility in 2026."

Mar 2, 20264 min readEnergy CostsDeutschlandticketCommuter AllowanceCarbon PriceElectricity PriceMobility

Data & Insights

"Encryption at WonderFunds: Simply Explained"

"How WonderFunds encrypts your financial data, without you needing to understand cryptography."

Mar 2, 20263 min readencryptionprivacysecuritysimply explained

Finance Tips

"EVS 2023: How Germany Spends Its Money"

"EUR 3,032 per month. The EVS 2023 reveals what German households actually pay for. Housing, food, transport: the numbers in detail."

Mar 2, 20264 min readEVS 2023consumer spendingDestatishousehold budgetcost of living