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How our nationality and our culture may influence our spending habits

In these times of globalization, our consumer behaviours are becoming more and more standardized and our cultural differences more and more eroded. We consume more or less the same things, and buy more or less the same goods. This is particularly the case in the European Union where cultures and borders are becoming increasingly permeable and interlinked.

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How much do property prices influence our lives in Luxembourg?

Housing expenses are a significant part of our budget. Sometimes, the amount dedicated to rent or to paying off a mortgage can even prevent us from living the life we dream of!

So what impact does the housing market have on life in Luxembourg? more

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Student employees’ rights and obligations

As a student, you might want to make some extra money and gain some paid work experience. Very good idea, but do you know your rights and obligations as a student employee?

Above all, you have to take into account the difference between the holiday-only student contract and the fixed-term employment contract outside school holidays.

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What do Luxembourg residents think about the housing market?

Nowadays, dreams of home ownership tend to fade as costs reach ever-higher levels. In many countries, house prices are expected to continue to rise. Confidence in the European housing market has hit a plateau, though vast shifts in outlook can be seen across Europe.

But what do Luxembourgish residents think about the housing market?

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Are pets too expensive?

You absolutely need a cat or a dog in your life but you don’t know how much a pet will cost you? According to a study released in 2012, our French neighbours – who incidentally own the most pets out of all European nations – spend a yearly average of € 600 on their cats and € 800 on their dogs. Statistical data on pet ownership in Luxembourg are difficult to obtain. According to the only available figures, we spend € 937,8 a year but this number includes not only money spent on pets but also expenses linked to flowers and gardens!

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10 tips to succeed in your first job

So you’ve just got your first job – congratulations! But are you ready for the challenges of your new full-time working life? Here are 10 tips for standing out in your first job.

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9 tips to save money on your flights

Anticipate and compare flights and prices, including using applications: how to reserve a holiday flight for the lowest cost possible.

Whatever your destination, airline tickets are one of the most costly items. Here are some tips for buying low-cost flights.
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Borrowing to invest? 8 cases where it makes sense

Many of us think of taking out a loan as taking on another burden. It’s an extra cost we have to assume every month, an additional strain on our personal finances. And it’s true: borrowing costs money!

There are, however, several circumstances where taking out a loan is beneficial for your overall personal and family financial situation. Here’s a list of 8 such cases.

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Can banks face turbulent times?

After the last financial crisis, many of us want to know how resilient the banking sector really is. Last week, the results of the latest European stress tests were announced. Every few years, the European Banking Authority (EBA) performs stress tests to “assess the resilience of financial institutions to adverse market developments.” The idea is to be able to compare and assess to what extent not just banks but the banking system as a whole could face future “shocks.” Let’s see how it’s done.

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What is the best way to save money when planning a holiday?

Deciding how to spend a well-deserved summer holiday can be exciting. Should you go back to a favourite location, or try something new? But there can be tricky trade-offs, such as whether to decide early and book ahead or wait as long as possible in the hope of finding a better deal.

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