Financial plan for a succesful 2025

A new year brings new opportunities – especially for your finances! If you’ve been looking for a simple way to manage your money or finally achieve your savings goals, the 50-30-20 rule might be exactly what you need. This proven method helps you organize your income effectively so you can make the most of your money.

What is the 50-30-20 Rule?

The 50-30-20 rule divides your income into three clear categories:

1. 50% for needs

These are your essential expenses such as rent, utilities, groceries, insurance, and other necessities.

2. 30% for wants

This portion is for life’s pleasures: dining out, subscriptions, shopping, or that dream vacation you’ve been planning.

3. 20% for savings and investments

This is the part you save for the future—building an emergency fund, paying off debt, or investing in long-term goals like retirement or stocks.

How to apply the 50-30-20 rule in 2025

1. Calculate your net income

Determine how much you earn each month after taxes and deductions.

Example: With a net income of €2,500, you can divide your budget as follows:

• €1,250 for needs (50%)
• €750 for wants (30%)
• €500 for savings and investments (20%)

2. Review your current expenses

Take a close look at where your money is going. Which expenses can you cut down to save more or allocate more towards your wants?

3. Set clear goals

Do you want to build an emergency fund, save for a big purchase, or invest in long-term financial goals? Setting clear objectives will help you stay focused and motivated.

4. Use the right card to maximize your benefits

With the king+ card, you can not only keep track of your expenses but also earn up to 3% cashback on many purchases. It’s the perfect way to manage your wants while getting money back!

Why does the 50-30-20 rule work?



This method gives you a clear overview of your finances, ensuring you can live worry-free in the present while securing your future. It’s flexible and adapts to your lifestyle, whether you have a fixed income or variable earnings.

The 50-30-20 rule is a powerful way to take control of your finances. And with the king+ card, it becomes even easier:

• Up to 3% cashback on many purchases.
• A transparent app that shows exactly how much you’ve spent.
• Quick top-ups for maximum flexibility.

Start 2025 with a clear plan, follow the 50-30-20 rule, and make the most of your money to achieve your goals!