Personal finance guides
All our guides to saving and budgeting, investing, taxes and mortgages, with worked examples and free calculators.
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Twelve concrete methods to save every month without going on a diet: from automating your savings to renegotiating fixed costs, with an example in numbers.
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A monthly budget tells every euro where to go before you spend it. Here is how to build one in four steps, with the 50/30/20 rule and a worked example.
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Compare fixed, variable and mixed mortgages in Spain, see how much the payment changes with the interest rate and simulate yours with our calculator.
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Learn Spain’s VAT rates and how to add or remove VAT from a price without mistakes, with examples and a free calculator.
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Index funds track a stock market index at low cost. Learn what they are, how to start investing in them and how they are taxed in Spain.
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An emergency fund protects you from surprises without debt. Work out how much you need, where to keep it and how to build it step by step.
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Compound interest makes your interest earn more interest. See how it works, with examples and a calculator to test your own numbers.
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Find out the income limits that oblige you to file a Spanish income tax (IRPF) return, with examples for one or several payers and when filing is worth it.
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Looking only at the interest rate, not comparing offers or stretching the term too far are common mistakes. Here is how to avoid them, with examples.
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Notary, land registry, agency fees, valuation and stamp duty: we explain who pays each mortgage cost in Spain, according to the Bank of Spain.