If your expenses are higher than income, your debt level might increase and there is no room to build up savings for short-term and long-term goals. You might feel anxious and worried about your finances. Try to keep your expenses in balance with your income.

If your expenses are higher than income, your debt level might increase and there is no room to build up savings for short-term and long-term goals. You might feel anxious and worried about your finances. Try to keep your expenses in balance with your income.

It's nice that you can manage to keep your income and expenses in balance, however it might be difficult to save up some money for short-term and long-term goals. Try to keep your expenses lower than your income to become even better in your day-to-day finances!

It's great that your expenses are lower than your income – you're doing a great job managing your day-to-day finances!

It's great that your expenses are lower than your income – you're doing a great job managing your day-to-day finances!

Sorry to hear! To take care of your financial health, you need to keep your expenses lower than your income.

Sorry to hear! It's good to keep track on your spending habits to be able to build up strong finances.

It's better to keep all your valuable assets protected from unexpected events by insuring them and keeping legal documents in good order.

It's better to keep all your valuable assets protected from unexpected events by insuring them and keeping legal documents in good order.

It's good that you have managed to build some safety net, however it's better to keep all your valuable assets protected from unexpected events by insuring them and keeping legal documents in good order.

It's good that you have managed to build a good safety net, however look over your protection level to feel fully confident and safe about your valuable assets.

Great job!

Sorry to hear! It's good to keep all your valuable assets protected from unexpected events by insuring them and keeping legal documents in good order.

Sorry to hear! It's good to keep all your valuable assets protected from unexpected events by insuring them and keeping legal documents in good order.

Saving up for retirement is one of the most important tasks you can do while you are still earning money. The state pension might not be enough to maintain the quality of life, so consider building up savings for retirement.

It's good that you already have some savings for your future, however be aware that saving up for retirement is one of the most important tasks you can do while you are still earning money. The state pension might not be enough to maintain the quality of life, so consider building up savings for retirement.

It's good that you already have accumulated some savings for retirement. Keep track of your long-term savings plan and act if needed to improve it.

It's good that you are doing a great job saving for retirement. Keep track on your long-term savings and act if needed to improve it.

Great job!

Sorry to hear! Saving up for retirement is one of the most important tasks you can do while you are still earning money. The state pension might be not enough to maintain the quality of life, so consider building up savings for retirement.

Sorry to hear! Saving up for retirement is one of the most important tasks you can do while you are still earning money. The state pension might be not enough to maintain the quality of life, so consider building up savings for retirement.

Safety buffer is like a medical patch that is kept at home medicine cabinet in case of emergency. It is wise to save up the amount equal to at least 3 monthly incomes so you fell more financially secure

Safety buffer is like a medical patch that is kept at home medicine cabinet in case of emergency. It is wise to save up the amount equal to at least 3 monthly incomes so you fell more financially secure

It's good that you already have a certain amount of savings. Safety buffer is like a medical patch that is kept at home medicine cabinet in case of emergency. It is wise to save up the amount equal to at least 3 monthly incomes so you fell more financially secure.

It's good that you have a decent amount of savings! Despite that you have already saved up to the amount equal to 2 monthly incomes, you might want to save up a bit more to feel even more financially secure.

It's good that you have a decent amount of savings! Despite that you have already saved up to the amount equal to 2 monthly incomes, you might want to save up a bit more to feel even more financially secure.

Great job!

Sorry to hear! Safety buffer is like a medical patch that is kept at home medicine cabinet in case of emergency. It is wise to save up the amount equal to at least 3 monthly incomes so you fell more financially secure.

Sorry to hear! Safety buffer is like a medical patch that is kept at home medicine cabinet in case of emergency. It is wise to save up the amount equal to at least 3 monthly incomes so you fell more financially secure.

Debt is neither good or bad - it is all about the use of it and your financial situation while carrying the debt, if you consider having it in the future.

Great! Keep it in the manageable level in the future as well.

To be more financially independent, look for options on how you could reduce the level of debt.

To get more space in your personal finances, look for options on how you could restructure your debt level.

Sorry to hear! It is important to keep an eye on your debt level to keep it manageable.

Sorry to hear! It is important to keep an eye on your debt level to keep it manageable.

True. You would earn 2 euros in the first year and even more later as your savings grow.

Not exactly. You would earn 2 euros in the first year and even more later as your savings grow.

Not exactly. You would earn 2 euros in the first year and even more later as your savings grow.

Sorry to hear! You would earn 2 euros in the first year and even more later as your savings grow.

Not exactly. Inflation means that money loses its value and prices increase. If inflation is 2% but the return of your savings is only 1%, it means than you can buy less than a year before.

Not exactly. Inflation means that money loses its value and prices increase. If inflation is 2% but the return of your savings is only 1%, it means that you can by less than a year before.

True. Inflation means that money loses its value and prices increase. If inflation is 2% but the return of your savings is only 1%, it means that you can by less than a year before.

Sorry to hear! Inflation means that money loses its value and prices increase. If inflation is 2% but the return of your savings is only 1%, it means that you can buy less than a year before.

Not exactly. Usually, when interest rates rise, new bonds offer higher returns, so the prices of old bonds fall to bring their yields in line with the new market rate.

True! Usually, when interest rates rise, new bonds offer higher returns, so the prices of old bonds fall to bring their yields in line with the new market rate.

Not exactly. Usually, when interest rates rise, bond prices fall, and the opposite happens if interest rates fall.

Not exactly. Usually, when interest rates rise, bond prices fall, and the opposite happens if interest rates fall.

Sorry to hear! Usually, when interest rates rise, new bonds offer higher returns, so the prices of old bonds fall to bring their yields in line with the new market rate.

True. Mortgage payment consists of paying back the principal amount and interest that is calculated on the credit balance. In case of a longer mortgage term, the credit balance decreases more slowly and you need to pay more interest.

Not exactly. Mortgage payment consists of paying back the principal amount and interest that is calculated on the credit balance. In case of a longer mortgage term, the credit balance decreases more slowly and you need to pay more interest.

Sorry to hear! Mortgage payment consists of paying back the principal amount and interest that is calculated on the credit balance. In case of a longer mortgage term, the credit balance decreases more slowly and you need to pay more interest.

Not exactly. Usually, a single company’s stock provides higher risk than a stock mutual fund as the fund consists of various stocks. If one company performs badly, another might do quite well providing more stability to your investment.

True. Usually, a single company’s stock provides higher risk than a stock mutual fund as the fund consists of various stocks. If one company performs badly, another might do quite well providing more stability to your investment.

Sorry to hear! Usually, a single company’s stock provides higher risk than a stock mutual fund as the fund consists of various stocks. If one company performs badly, another might do quite well providing more stability to your investment.