Our Workshop Programmes

Decode every line of your Austrian salary statement and understand exactly where your money goes each month. This workshop transforms confusing abbreviations and deductions into clear, comprehensible information.

• Gross versus net income explained in detail
• Social security contributions breakdown
• Income tax calculation and brackets
• Special payments and their taxation
• Identifying and correcting payslip errors
• Understanding your annual tax assessment

Learn to create realistic budgets that actually work for your lifestyle and income. Move beyond generic advice to develop personalized budgeting strategies that help you achieve your financial goals.

• Tracking income and expenses effectively
• Distinguishing needs from wants
• Creating flexible spending categories
• Building in savings automatically
• Handling irregular expenses and windfalls
• Adjusting budgets as circumstances change

Develop sustainable saving habits that build financial security without sacrificing quality of life. Explore different saving vehicles, understand their purposes, and create a systematic approach to building wealth.

• Emergency fund creation and maintenance
• Goal-based saving approaches
• Comparing Austrian savings account options
• Automation techniques for consistent saving
• Balancing saving with debt repayment
• Understanding compound growth over time

Understand how the Austrian pension system works and why starting early matters enormously. Explore state pension mechanics, calculate projected benefits, and learn about supplementary pension options available to you.

• Austrian pension system structure explained
• Accessing and understanding your pension account
• Calculating future pension entitlements
• Supplementary pension options overview
• Tax implications of pension contributions
• Starting pension planning in your twenties

Navigate the Austrian banking landscape with confidence. Learn to compare accounts, understand fees, evaluate credit options responsibly, and make informed decisions about financial products and services.

• Comparing current and savings accounts
• Understanding banking fees and charges
• Credit cards versus debit cards
• Responsible credit use and management
• Reading financial product terms carefully
• Recognizing misleading marketing claims

Transform vague financial wishes into concrete, achievable goals. Learn frameworks for setting realistic targets, creating action plans, tracking progress, and maintaining motivation throughout your financial journey.

• Defining short, medium, and long-term goals
• Making goals specific and measurable
• Prioritizing competing financial objectives
• Breaking large goals into manageable steps
• Tracking progress and celebrating milestones
• Adjusting goals as life circumstances change