📂 Stages 1–4: The Beginning – Money Comes In, But Quickly Flows Out
At this stage, saving often seems like a luxury that can be afforded “some day.” Income may be irregular or simply insufficient to have anything left after paying bills and daily expenses. The savings account might be empty or non-existent, and the idea of a “safety cushion” feels theoretical. There is often a mindset of: “Why save if there isn’t enough even for today?”
At this point, the most important thing is to start consciously evaluating your spending — even setting aside 1–2 euros a day can create a psychological feeling that money is not slipping through your fingers. It is recommended to start with a specific, small goal: for example, saving 100 euros for emergencies.
It is better to use a physical piggy bank or a separate bank account where money is not so easy to withdraw. This is the moment to build a relationship with your money — not by fighting scarcity, but by making a conscious choice and habit to be your own best friend.