Budgeting & Saving

31 March 2016

Managing your budget

You are flying solo now. You will now have fixed costs, but also unforeseen ones. Here are some tips for managing your budget effectively so that unforeseen circumstances do not disturb your peace of mind.

Your everyday expenses

Whether you want to buy or rent, you should consider your budget carefully. Take the time to list your income and expenses. What do you have left at the end of the month? Where can you make savings if necessary? When you have a good idea of these items, it will be easier for you to estimate the amount that you can allocate to your plans.

To manage your outgoings, most banks offer apps for smartphones and tablets which mean you can keep track of your outgoings wherever you are and whenever you want. ING's tablet application also has a "My budget" module that allows you to see your outgoings at a glance, thanks to its very practical categories (family, health, loans, insurance, transport, leisure, etc.).

Opt for a free bank account. You can thus manage your money without paying charges. Think about setting up standing orders and direct debits for all your regular bills. You thus avoid late payments and the costs of reminders. If moreover you pay your salary by banker's order into your account, you can be sure that the account will always have funds on time in order to pay these bills.

To manage your outgoings, most banks offer apps for smartphones and tablets which mean you can keep track of your outgoings wherever you are and whenever you want. ING's tablet application also has a "My budget" module that allows you to see your outgoings at a glance, thanks to its very practical categories (family, health, loans, insurance, transport, leisure, etc.).

Update my contact details

Recently received a new electronic identity card? Changed address? Want to complete your personal details for your own accounts or accounts for which you have a mandate?

There is no need to come to the branch to submit or update your details. You can do it all online on Home’Bank or with your electronic identity card reader.

Saving for a project

With automatic savings, you can choose the amount that you want to put aside in your savings account to ensure that you have enough saved in the event of emergencies, plan for your future or make sure you can always enjoy life.

Your long-term budget

Do you want to save or are you already saving? Saving smartly is more than just putting money in a savings account. Various solutions are available: short-term, with tax benefits or more long-term. ING has a tool to help you save according to your project.

With some long-term savings products, you can rely on a more comfortable retirement while enjoying tax benefits today. It's a win-win situation for you!