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Life moments

Whether you’re starting out as a student, coupling up orchanging careers – let’s do it together.

Starting out as a student
Becoming an independent adult
Coupling up
Having children
Becoming a home owner
Developing yourself
Retiring
Estate planning

Starting out as a student

Congrats! While you're taking your education to the nextlevel, you're also going to develop personally in the coming years. However, this stage of life is also characterized by change, big decisionsand money that can run out quickly. Our articles, guides and posts canhelp you with this.

  • Expenses you have to expect as a student

    Studying can cost time, energy and above all:money. Find out what costs you can expect to face throughout your studies.

  • How to finance your studies

    There are different ways to finance your studies and living expenses. Find out which one might be right for you.

  • Working alongside your studies

    Simply earning a little extra money - find out how you can successfully combine study and work.

  • Start Your Financial Journey

    Taking control of your finances is an essential life skill, and we're here to make it easy and enjoyable. With Raiffeisen Youth, you'll have the tools and support you need to manage your money wisely, save for the future, and achieve your financial goals.

Becoming an independent adult

Embarking on the journey to adulthood is an exciting milestone, and achieving financial independence is a crucial part of that journey

  • Open a current account

    Start with a solid foundation. We recommend one of our current accounts packages, ideal for students and young adults. 

  • Develop a savings habit

    Secure your future by setting aside funds. Developing a saving habit early is crucial for your future.

  • Understanding Credit Scores

    Building a good credit history is essential. Learn how to build and maintain a healthy credit score.

  • Budgeting and Financial Planning

    Effective budgeting is the key to managing your money wisely. Walk through how to track your income and expenses, adjust your budget, and set financial goals.

  • Investing in your future

    It's never too early to start investing. Starting to invest early can significantly impact your financial future.

  • Feeling happy. Pretty long-haired blonde woman near a new car looking enjoyed and excited

    Purchasing Your Next Car

    Buying a car is a significant financial decision that requires careful planning and consideration.

Coupling up

Entering a committed relationship often means merging various aspects of your lives, and finances are no exception.

  • Set Shared Goals

    Aligning your goals can strengthen your bond and give you a sense of direction as a couple.

  • Create a Financial Plan

    Financial compatibility is important. Create a plan that works for both of you and supports your shared goals.

  • Purchasing a New House

    Buying a home together is a significant milestone that requires careful planning and collaboration.

Having children

Welcoming a child into your family is a joyous occasion filled with love and excitement. However, it also brings a host of new financial responsibilities and considerations. Proper planning can help ensure that you're financially prepared for every step of the journey.

  • Understanding your Current Financial Situation

    Before making any big decisions, it's crucial to understand your current financial standing. Take a close look at your income, expenses, savings, and debts.

  • Plan for Parental Leave

    Check your employer's parental leave policies and understand your entitlements. Plan how you'll manage financially during this period, especially if it involves unpaid leave.

  • Start Saving for Education Early

    The cost of education can be substantial, so it's wise to start saving early.

Becoming a home owner

Whether you’re a first-time buyer or looking to invest in additional property, the journey to homeownership can be both exciting and daunting.

  • Assess Your Financial Situation

    Before you begin your home search, it’s crucial to have a clear understanding of your financial health. Start by evaluating your income, savings, and any existing debts

  • Understand Your Mortgage Options

    There are various mortgage options available, each with its own set of benefits. Familiarize yourself with fixed-rate mortgages, adjustable-rate mortgages.

  • Start House Hunting

    With your financial situation analysis, you can now start looking for your dream home.

Developing yourself

In the fast-paced and ever-evolving industry, personal development is key to staying competitive and achieving career success. Developing yourself means continuously enhancing your skills, expanding your knowledge, and cultivating a mindset geared towards growth.

  • Set a Personal Goal

    In the pursuit of a fulfilling life, setting personal goals plays a pivotal role. Whether it’s advancing in your career, achieving financial stability, or fostering personal growth, having clear objectives provides direction and motivation. 

  • Building a Growth Mindset

    A growth mindset—the belief that abilities can be developed through dedication and hard work—is crucial for personal development.

  • Expanding Your Knowledge

    Continuous learning is vital to your goals. 

  • Maintaining Work-Life Balance

    Personal development also involves maintaining a healthy work-life balance.

  • Networking and Mentorship

    Building a strong professional network and seeking mentorship can significantly impact your personal development.

Retiring

Congratulations on reaching this significant milestone in your life! As you prepare to bid farewell to the workforce and embrace a new chapter of relaxation and leisure, it's crucial to ensure that your financial affairs are in order

  • Set Clear Goals

    What does retirement look like for you? Whether you dream of traveling the world, pursuing hobbies, or spending quality time with loved ones, it's essential to set clear and achievable goals for your retirement years.

  • Plan for Healthcare Costs

    Healthcare expenses can be a significant financial burden in retirement, so it's essential to plan accordingly.

Estate planning

Estate planning is a vital aspect of financial planning that ensures your assets are distributed according to your wishes and your loved ones are provided for.

  • Will

    A will is a legal document that outlines how you want your assets to be distributed after your death. It also allows you to appoint a guardian for any minor children.

  • Powers of Attorney

    Powers of attorney allow you to designate someone to make financial or healthcare decisions on your behalf if you become unable to do so yourself.

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