The DolFin Blog
The Lagoon
Credit, banking and debt: money guides for Austria and Germany.
Expat Money Guide for Austria and Germany: The Setup Checklist
An expat money guide for Austria and Germany. Set up your bank, Schufa, health cover, and a simple Sparplan the right way, from someone who arrived at 17 and learned it the hard way.26 June 2026 · 10 min readThe Lagoon
The Freelancer Tax Trap Nobody Warns You About
No tax gets taken out when you freelance in DACH. The bill comes a year late, year two hits twice, and here is how much to set aside so it never wrecks you.26 June 2026 · 7 min readThe Lagoon
Why Your Savings Account Is Quietly Losing You Money
Cash on a Sparbuch or Tagesgeld loses value every year right now. Here is what real return means, the slow-leak math, and how to stop the bleeding.26 June 2026 · 7 min readThe Lagoon
Side Hustle Tax in Germany and Austria: The Real Thresholds
Side hustle tax in Germany and Austria catches people off guard. Here are the real tax-free limits, when you must file, and how much to set aside.26 June 2026 · 11 min readThe Lagoon
Schufa KSV Credit Score: How to Check and Improve It in DACH
Schufa KSV Credit Score: How to Check and Improve It in DACH26 June 2026 · 11 min readThe Lagoon
What Young People Really Pay for Health Insurance in Germany and Austria (And the One Line You Can Lower)
A plain breakdown of what health insurance costs you at 18 to 30 in Germany and Austria, the age-30 jump, and the one line you can actually lower.26 June 2026 · 7 min readThe Lagoon
