Everything is expensive and getting more expensive. The whole society is under pressure. And what can you find everywhere? Tips on how to best save. Or tips on how to be well prepared for the utility bill at the end of the year.
A tip I keep coming across: "Put money aside!" "Build reserves!" "Invest money that is left over!" This advice is driving me mad because these tips are reaching people who just don't know how to pay for their lunch at the end of the month. People who may only eat two meals a day instead of three. Or even worse: one. Because these people can barely afford to survive now.
When shopping, a whole shopping trolley is not filled, but a small basket. You don't go out and buy new clothes because you're tired of the old clothes. And despite being hungry and having to cope with the cost of living at the end of the month, you have no money left over to "build reserves", "save" or "invest". Every penny is turned over three times.
You can't even escape this ignorance. You see it all over the media. "Make a list before you go shopping and only get what you need" is the most harmless money-saving tip. And even then: Do you really think that people who can only afford two meals a day "treat" themselves to luxury products such as crisps, sweets, fresh fruit, vegetables or meat in large quantities when doing their weekly shopping? The star has already published such and similar tips. For poor people this is like mockery and mockery.
I write about students who scrape together the last change for pasta and tomato sauce at the end of the month. And from pensioners whose small pension is just about enough for life before the high inflation. From people who are sick. About people who have a large family to feed or whose vet bills are driving them into ruin. People who got on well until the beginning of the year and maybe even belonged to the middle of society.
There are so many people in Germany who are so badly affected by the price increases that they cannot "simply save more" to build up reserves, for example. And already now. Now: in early autumn. The media, politics and business are fueling fears of an expensive winter. A thought that makes poor people feel powerless.
So please, if you want to give tips on how people can make ends meet better, please do so. But you should think about how many different realities of life there are in Germany. And the fact that many rich people already let their money work for them anyway. Tips on how to actively grow money should not be touted as "savings tips" because for people who need to save, mainstream money tips are more a mockery than a help.
Instead of continuing to give these people tips, more privileged people could consider helping out. A peek into the closet to donate old clothes. Or give small amounts to a charity. As a full-time employee, simply invite fellow students or mini-jobbers to dinner together in the restaurant. People for whom every cent counts in the month really appreciate that. And it helps a lot more than saving advice that doesn't help poor people.