Housekeeping book: see where your money goes and save

You can save money in many ways. But if you don’t know what’s going in and out of your wallet every month, it’s hard to see. That is why it is useful to list where your money is going. Here you will find an overview of most of the expenses that households have: costs and income. This way you can make your own budget or keep a household budget. In addition, there are a number of tips to help you cut back on a number of expenses.

Housekeeping booklet



Mortgage or rent of the home (including service costs)


Loan or credit card repayment










Health insurance


Contents insurance


Building insurance


Car insurance


Liability insurance


Legal insurance


Accident insurance


Funeral insurance


Travel insurance


Cancellation insurance


Life Insurance Etc.




Municipal tax


Water board tax


Road tax etc.


Gasoline or public transport costs


School fees, studies and textbooks






Telephony (mobile and landline)


Subscriptions to newspaper or magazine


Subscription to gym and other clubs


Bank account fees


Groceries (at supermarket and drugstore)


Clothes and shoes


Hairdresser, beautician etc


Outings: holiday, restaurant, cinema, etc


Other purchases


To spare

  • Mortgage : There are a number of options to reduce the costs of your mortgage. Interest rates have fallen enormously in recent years. Depending on the remaining fixed interest period, it may be interesting to transfer the mortgage at a lower interest rate. Another possibility is that you have already repaid so much that you fall into a lower risk category, which also carries a lower interest rate. For example, if your mortgage is only 70 percent of the value of your home.
  • Repaying loans and credit cards: Because the interest rates on loans and credit cards are so high, the monthly payments are also high. If you have savings, it is smart to perhaps use part of it to make additional repayments. After all, you will never receive as much savings interest as the interest you pay on your loan.

Gas water and light

  • Gas and electricity : It may be advantageous to switch to a cheaper energy supplier. Many suppliers give a welcome message to new customers. Pay close attention to the rates, because it is not always cheaper. You can easily find and compare the rates of providers on comparison websites. Also read Tips for using energy efficiently, because you don’t have to pay for what you don’t use. The same applies to water: Tips for using water sparingly
  • I also have an article to make you aware of the energy and money that washing and drying clothes costs.

That can be cheaper

  • Insurance : Make sure that you are not double insured. Sometimes there is an overlap between one insurance policy and another. In addition, it can work to your advantage to compare premiums. Switching health insurance can also save you money, as can increasing your deductible if you are healthy.
  • Gasoline and public transport : The difference between one gas station and another can be 10 cents per liter! Then it may be worthwhile to refuel elsewhere. If you often travel by train, it may be an idea to purchase a discount season ticket. Then you get a 40 percent discount on every trip, but pay attention to the conditions.
  • Study books : Try to see if you can purchase the necessary books second-hand, for example via marktplaats.


  • Mobile : It might be useful to take a closer look at your subscription.
  • Subscription : How many newspapers, TV guides or magazines are actually read, each issue? Perhaps it is better to buy a single issue in the store every now and then. And as for the TV guide: You can also view what is on television both in newspapers and online.
  • Groceries : Tips can be found in the following article: Save money on your groceries.

Now that you have everything in order, it is useful to take stock. Then list your income:





Healthcare allowance


Rent allowance


Childcare allowance


Child benefits


Child-related budget


Tax (for provisional refund)


Other income


If more goes out than comes in, you have a problem. If you don’t have enough savings to cover the gap, you’ll have to look at where you can save. In general: pay attention to offers , discount coupons and also look at what something second-hand costs. Good luck.