Money | Finances A4
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Eating lunch together and meeting people
Enjoy a free lunch and chat with other people: this is possible at three Vesperkirchen in the district of Tübingen.…
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Ukrainian mobile phone service in the EU at no extra cost
From 1 January 2026, Ukrainians will be able to use their mobile phones in European Union member states without incurring…
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From mini-jobs to the D-Ticket: what will change in 2026
A number of things will change in the New Year. For example, the minimum wage and child benefit will be…
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Clarify pension entitlements before reaching retirement age
Anyone who wants to receive a pension in Germany must pay contributions into the pension insurance scheme for at least…
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Tübingen warns of fake parking tickets
Fake parking tickets were left on cars at the Tübingen fairground—with three errors: There was no indication of which authority…
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Refugees are at high risk of poverty
Work protects against poverty. That is one of the findings of a study on income distribution in Germany. Refugees and…
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An app exposes fake shops on the internet
Fake shops on the internet are difficult to spot. Fraudsters are making them increasingly professional. An app from the consumer…
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Less money for newly arriving Ukrainians
Ukrainians who arrived in Germany after April 1, 2025, will no longer be entitled to citizen’s income, but only to…
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Citizen’s income: Money to be cut more quickly
There will likely be stricter rules for citizen’s income in the future. The federal government has agreed on this. The…
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Apply for social assistance in Tübingen online
Anyone wishing to apply for social assistance in Tübingen can now do so digitally around the clock. An application form…
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Living on a low income in Tübingen
Living on a low income in expensive Tübingen is not easy. That is why the city has published a new…
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Be careful when selling your car
If you want to sell your car to private individuals, there are a few things you need to bear in…
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More money for temporary workers next year
Temporary workers will receive more money starting next year. On January 1, 2026, wages will initially rise by 2.99 percent,…
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Subsidies for daycare fees in the district of Tübingen
By Yana Rudenko In Baden-Württemberg, local authorities set the parental contributions for crèches, kindergartens, after-school care, and daycare. If the…
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Buy today, pay later: Consuming on credit is risky
Many young people get into financial difficulties because they take out small loans and then cannot repay them. This is…
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Debt counseling: get out of the red
There are many reasons for debt: Sudden unemployment, high cell phone bills, separation from a partner or too much shopping…
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Office must pay health insurance contributions
At least in one case, the office must now pay after all: In summary proceedings, the Heilbronn Social Court has…
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„Migrant Pay Gap”: Migrants earn significantly less
Migrants in Germany and seven other countries earn on average almost 20 percent less than locals. This was reported by…
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Card exchange initiative for refugees in the district of Tübingen well received
By Bernhard Kirschner The initiative by refugee organizations in Tübingen to exchange cash for vouchers with refugees has been well…
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Traveling to Ukraine: What to bear in mind
Refugees from Ukraine who are living in Germany under Article 24 of the Residence Act can generally travel to Ukraine…
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The minimum wage will increase twice by 2027
Employees can expect an increase in the statutory minimum wage. It will rise in two stages: on January 1, 2026,…
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Asylum seekers: High health insurance contributions loom after job loss
Asylum seekers who work and then lose their jobs face a major financial risk. The reason for this is the…
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The state pays pension contributions for raising children
The German pension system provides special support for parents who devote themselves to raising children. The state rewards them for…
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EU sanctions end: Money transfer to Syria facilitated
Following the USA, the EU has also lifted all of its economic sanctions against Syria. This was decided by the…
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Bürgergeld for new refugees from Ukraine on the brink
The future governing parties CDU/CSU and SPD want to abolish the Citizen’s Income (Bürgergeld) for refugees from Ukraine who entered…
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Payment cards for refugees – the “cash for vouchers” campaign
By Bernhard Kirschner Since March, refugees in Tübingen who receive benefits under the Asylum Seekers Benefits Act have been able…
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Warning strikes in Tübingen: No buses again
Due to a warning strike by the trade union Verdi, there will be virtually no buses in Tübingen on Tuesday…
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Tips for protecting yourself from high mobile costs abroad
Using your cell phone within the EU, including Iceland, Liechtenstein and Norway (members of the European Economic Area), will incur…
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Payment card: data is only estimated
It already exists in the Ortenau district in Baden. It is also due to be introduced in the Zollernalb district…
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Child benefit for refugees from Ukraine
Many mothers who have fled Ukraine with their children are entitled to child benefits. 250 euros are paid per child.…
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Hryvnia exchange program ends
Refugees from Ukraine can exchange their Ukrainian banknotes for euros free of charge only until November 18. This is pointed…
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Finances: Rent payments from the job center must be forwarded
Many refugees from Ukraine have found a large transfer from the Jobcenter on their account these days. But beware: The…
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Financing your studies: BAföG also for refugees
Money from the state is not only available for German students: Refugees who have the prospect of remaining in Germany…
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Ukrainian refugees: easier to open an account
It has become easier for refugees from Ukraine to open an account at a German bank. In the meantime, the…
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Apply for KreisBonusCard in Ukrainian
The application for a KreisBonusCard is now also available in Ukrainian. The card is needed, among other things, to make…
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How to save money when shopping in drugstores through buying gen
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Higher income limit for tax-free allowance since 2020
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Higher wages for apprentices and comparable qualifications
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Entrepreneurs protest against deportation of working refugees
Entrepreneurs from Baden-Württemberg demand that refugees with unsecured
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Start saving for old age now-save over twice as much money for old age
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Insurance recommendations for trainees and young professionals
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Apply for child benefits online
Anyone with a child under the age of 25 who lives with them has the right to “Kindergeld”,
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Lost a Credit card or debit card?
If you lose a debit card or a credit card, you should block your card immediately.
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What is a „Mahnung“
A Mahnung (Eng. Demand note) is the creditor’s request to comply with the contract.
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What is a “Dispo-Kredit”?
The so-called “Dispositions-Kredit” or short Dispo is a credit that the bank can grant for a current account.
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Different types of bank accounts
There are two main types of bank accounts in Germany: the Girokonto and the Sparbuch. In the case of a…
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Potential costs of money withdrawal
If you withdraw money at an ATM machine of your own bank account it usually doesn’t cost anything.
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Rent deposit
Somebody who signs a lease and moves into a new apartment often has to pay