Hi Reader!

Maybe you've heard the news—it's happened again.

The European Central Bank has lowered interest rates again. While this helps stabilize inflation and boost the economy, it’s not great for our savings.

Sure, it’s still better than the days of 0% interest rates—but when it comes to building wealth, it’s far from ideal.

Relying solely on a savings account to grow your money is a losing strategy.

If we truly want to build wealth without watching inflation eat away at our savings, we need a different approach.

But here’s the question:
​✅ What’s the best strategy for beginners—especially if you don’t have a lot of money to invest?
✅ What’s affordable and requires minimal effort?

Let’s be honest: investing shouldn’t take up all our time. We already have busy lives, and while financial growth is important, it shouldn’t come at the cost of everything else.

I know this struggle all too well. Even though tracking my expenses takes just 15 minutes a day, I still don’t always manage to do it—especially last month. But despite that, I want my money to grow.

That’s when I turned to a minimalist approach.

If you know me, you know I love minimalism—not in a way that means living with nothing, but in a way that prioritizes mindfulness and intention. The same applies to my finances.

So, how can we make our money grow while doing less—without constantly chasing higher earnings just to invest more?

The answer: Minimalist Investing.

Just like in minimalism, where you choose to live with fewer but carefully selected, valuable items, the same principle applies to your finances.

It’s about reducing stress around money and cutting out the noise from so-called experts and gurus.

Here are the three basic principles of Minimalist Investing:

✅ Keep it simple – Invest in ETFs instead of picking individual stocks.
✅ Set and forget – Automate your investments to stay consistent.
✅ Clarity & control – Invest only what you need, but do it regularly and stay in it for the long run.

With this approach, you can grow your wealth efficiently—without unnecessary complexity.

​Read the full post, where I’ll dive deeper into the principles of Minimalist Investing and how you can start applying them to grow your wealth effortlessly!

Take Control of Your Money—Without the Overwhelm!

Do you want to save money effortlessly—without tracking every penny?

Then the Minimalist Banking System is perfect for you!

I love keeping my financial life simple. For me, that means using just four essential accounts. This method helps me stay organized, save without stress, and build long-term wealth.

How does the Minimalist Banking System work and how you can easily set it up:

✅ Why fewer accounts mean more financial clarity
✅ The 4 essential accounts you need
✅ How automation helps you save and invest effortlessly

Switching to a Minimalist Banking System doesn’t happen overnight, but these simple steps will make the transition easy.

Make today the day you simplify your finances and take control of your money!
To your financial freedom,
Katja
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