The 1940s are a lifespan in which upheavals often take place. Unfortunately not always pleasant. Some women live apart from their partners and have to cope as single parents of teenage children. It is not easy to get a full-time job and to create financial reserves for your financial livelihood. Perhaps you took a longer job break after the birth of your child or children, or you only worked part-time for a long time. Then re-entering a 38-hour job will not be easy. Many pay back even in order to get a job at all.
Despite everything: Saving is always possible, says finance manager Larissa Kravitz. It is helpful to get an overview of the income and expenses and to record every little expense in a budget over a period of at least three months, even the coffee to go for three euros. Because extrapolated to five times a week, that already results in 60 euros, which could also be saved. “It's often not about the affordability of saving, but rather about the will to build something for myself,” the expert is convinced.
Just don't procrastinate. On the other hand, there are women in this age group who are slowly entering a phase of relaxation. "Those who are financially more solid can now maximize their investment," advises Kravitz. “It is important to pay attention to diversification. A portfolio of equity ETFs, real estate and gold is ideal. If you want to actively deal with your investments, you should add individual shares or invest in start-ups using crowdfunding. "And don't put off anything, because if you wait another ten years before starting saving, it is even more difficult."