Blog

September 16, 2025
|
6
MIN TO READ

The Cost of Owning a Dog

A dog can truly enrich your life, but it also comes with a price tag attached to its collar. That is why it is smart to understand the costs of dog ownership before falling for those irresistible puppy eyes. Below is an overview of the expenses to keep in mind if you decide to bring a dog into your home.

Read Story
Budgeting

Featured articles

Life events
September 9, 2025
|
5
MIN TO READ
Asking for a Raise: Here Is How to Do It

Asking your employer for a raise can be nerve-wracking, even when you know you have earned it. Perhaps you have taken on additional responsibilities or consistently outperformed your colleagues, yet your salary has not reflected these contributions. That is why it is important to speak up about your salary expectations. Here are some practical tips to help you successfully navigate the conversation.

Others
September 2, 2025
|
4
MIN TO READ
The Expat Scheme in the Netherlands: What Does It Mean for Your Wallet as a Foreign Employee?

Highly educated foreign employees pay less tax in the Netherlands. This is called the expat scheme or the 30% ruling. It is intended to compensate for the extra costs of temporarily living in the Netherlands. But what exactly does this scheme mean for foreign employees? And what changes are coming soon?

Others
August 26, 2025
|
6
MIN TO READ
How Much Does Secondary School Cost in the Netherlands?

As the summer holidays come to an end, a new school year is just around the corner. A good moment to dive into the finances of Dutch education. What does secondary school cost? And what additional expenses should parents of teenagers keep in mind?

Latest posts

Clear
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Budgeting
September 16, 2025
|
6
MIN TO READ
The Cost of Owning a Dog

A dog can truly enrich your life, but it also comes with a price tag attached to its collar. That is why it is smart to understand the costs of dog ownership before falling for those irresistible puppy eyes. Below is an overview of the expenses to keep in mind if you decide to bring a dog into your home.

Life events
September 9, 2025
|
5
MIN TO READ
Asking for a Raise: Here Is How to Do It

Asking your employer for a raise can be nerve-wracking, even when you know you have earned it. Perhaps you have taken on additional responsibilities or consistently outperformed your colleagues, yet your salary has not reflected these contributions. That is why it is important to speak up about your salary expectations. Here are some practical tips to help you successfully navigate the conversation.

Others
September 2, 2025
|
4
MIN TO READ
The Expat Scheme in the Netherlands: What Does It Mean for Your Wallet as a Foreign Employee?

Highly educated foreign employees pay less tax in the Netherlands. This is called the expat scheme or the 30% ruling. It is intended to compensate for the extra costs of temporarily living in the Netherlands. But what exactly does this scheme mean for foreign employees? And what changes are coming soon?

Others
August 26, 2025
|
6
MIN TO READ
How Much Does Secondary School Cost in the Netherlands?

As the summer holidays come to an end, a new school year is just around the corner. A good moment to dive into the finances of Dutch education. What does secondary school cost? And what additional expenses should parents of teenagers keep in mind?

Others
August 19, 2025
|
5
MIN TO READ
What Does Primary School Cost in the Netherlands?

The summer holidays are almost over, and a new school year is just around the corner. Time to dive into the finances. What does primary school cost in the Netherlands? What is the deal with the parental contribution? And what other costs should you keep in mind as a parent?

Budgeting
August 12, 2025
|
5
MIN TO READ
Save Money Fast with a Small Budget

Saving quickly with limited funds? It is absolutely possible. Even though life can be expensive and you always have certain fixed expenses, in most cases it is still possible to save some money. You do not have to put aside large amounts all at once to build up your savings. In this article, we will explain how to save easily and quickly—even if you are on a tight budget.

Life events
August 5, 2025
|
5
MIN TO READ
Keep These Costs in Mind When Getting a Divorce

A divorce always leads to an emotional period, but it also has a major financial impact. There are direct costs, such as those for a lawyer and court, and possibly indirect costs as well. In this article, we outline the costs associated with getting a divorce in the Netherlands (and explain how to stay in control of your expenses during this emotional time).

Others
July 29, 2025
|
4
MIN TO READ
Year-End Bonus Calculation: The Extra Income You Can Expect

Some employees receive a financial bonus from their employer at the end of the year: the year-end bonus. But what exactly is this? When are you entitled to receive it? And how can you calculate how much you will get? In this article, we will explain what a year-end bonus is and what to take into account.

Budgeting
July 22, 2025
|
6
MIN TO READ
Control Your Money: How the Grassfeld App Works

Managing your money can be challenging, especially with all kinds of distractions like ads, a coffee here and there, or lunch in the office cafeteria. Before you know it, you have spent more than you originally planned. So how do you stay in control of your finances? With the free Grassfeld app! In this article, we will explain how it works and why it is a useful tool for managing your money.

Life events
July 15, 2025
|
5
MIN TO READ
How Much Does It Cost to Renovate a House?

How much does it cost to renovate a house? A good question—because the cost strongly depends on the scale of the renovation. One person may want to upgrade the kitchen, while another may want to add a dormer window or build an entire home extension. Renovating involves more than just buying bricks and tiles; it requires planning, execution and finishing which all require time and money. Below, we break down the process step by step.

Budgeting
July 8, 2025
|
6
MIN TO READ
Tax-Free Saving in the Netherlands

Tax-free saving—it almost sounds too good to be true. But it is possible, as long as your total assets remain below a certain threshold. Each year, the Dutch Tax Office (Belastingdienst) sets a tax exemption limit. If your total assets remain below this limit, it is not taxed under the so-called “Box 3.” In this article, we will explain everything about tax-free saving (and any tax you might still have to pay).

Life events
July 1, 2025
|
7
MIN TO READ
What Does a World Trip Cost?

Are you planning to go on a world trip? What a great idea! However, it is essential to be well-prepared and understand the estimated costs of a world trip. In this article, we will outline the major expenses you should consider so you can determine whether your plans are financially feasible.

Others
June 24, 2025
|
5
MIN TO READ
Everything You Need to Know About Interest

When you start dealing with financial matters, you will quickly come across the term “interest.” But what exactly is interest? And how does it work? In this article, we will answer these questions and more. For example, we will explain how mortgage interest and variable interest work, what types of interest you may encounter when taking out a loan, and how often interest is paid out.

Life events
June 17, 2025
|
8
MIN TO READ
What Are the Costs of Selling Your House?

When you move, you have a lot on your plate. You are probably looking for a new house or have just bought one, and at the same time, you are starting the process of selling your current home. But how much does it actually cost to sell a house? And how do you keep track of these expenses so you are not surprised by (high) costs? We will explain it all in this article.

Others
June 10, 2025
|
5
MIN TO READ
Clothing Allowance: What Amount Suits Which Age?

It is important for children to learn how to manage money. This helps them understand the value of money and realize that it does not grow on trees—it has to be earned. That is why many parents give pocket money and clothing allowance. But at what age should you start, and how much should you give? Many parents struggle with these questions, so here is a guide to what is common when it comes to clothing allowance.

Budgeting
June 06, 2025
|
5
MIN TO READ
Buying Your First Car? Be Prepared for These Additional Costs

After working hard and saving up, the moment has finally arrived: you can buy your first car! To avoid any unexpected surprises, this article outlines all the costs associated with owning a car in The Netherlands — beyond the purchase price, of course 😉

Budgeting
May 27, 2025
|
10
MIN TO READ
Tips to Save on Fixed Expenses

Fixed expenses may seem set in stone, but you often have more control over them than you think. For example, switching your energy provider could save you money. The same goes for you internet subscriptions and insurance policies. Even your weekly grocery bill offers opportunities to cut costs. Every euro counts—and over time, these small savings can add up significantly! Reflect on what you truly need and regularly review your spending habits. Here are some tips to help you reduce your fixed expenses.

Budgeting
May 20, 2025
|
6
MIN TO READ
Tracking Income and Expenses: How Do You Do It?

Do you want a clear overview of your financial situation but find the list of transactions in your banking app confusing? By keeping track of your income and expenses, you will know exactly where your money comes from and where it goes. But how do you do this effectively? This article explains how.

Others
May 13, 2025
|
5
MIN TO READ
Pocket Money: When to Start and What is Normal at Each Age?

At some point, almost every parent asks themselves: when should I start giving my child pocket money? Pocket money allows children to buy something nice for themselves and, more importantly, helps them learn how to manage money. But when should you start? And how much should you give? This article covers these questions and more.

Life events
May 6, 2025
|
5
MIN TO READ
What Are the Costs of Starting Your Own Business?

Starting your own business in the Netherlands is an exciting yet challenging step. It also comes with various costs. It is important to have a clear understanding of the expenses you can expect. This article outlines the main costs to help you calculate how much money you will need to start your business.

Budgeting
April 29, 2025
|
5
MIN TO READ
Budgeting App: Take Control of Your Finances with Grassfeld

Looking for an app to help you budget effectively? Grassfeld enables you to gain and maintain control over your finances. The app makes it easy to set budgets for every category, allowing you to see at any moment how much money you have left for spending. In this article, we will explain how you can get started and how budgeting works in the app.

Budgeting
April 22, 2025
|
8
MIN TO READ
Buyer’s Costs: The Additional Costs of Buying a House

When buying a house, you will encounter additional costs on top of the purchase price of the property itself. These extra expenses are called "buyer’s costs". If you are planning to buy a house, it is essential to account for these costs, as they can add up quickly. In this article, we list the key cost items and provide a few free tips (because you already have enough expenses 😉).

Life events
April 15, 2025
|
5
MIN TO READ
Holiday Allowance: Calculation, Gross-Net Differences, and When You’ll Receive This Bonus

Holiday allowance is an additional payment you receive on top of your salary, intended to help cover the costs of your (summer) vacation. In this article, we will explain everything you need to know about holiday allowance, including the calculation, payment, gross-net differences, and holiday pay for those receiving benefits from the UWV.

Budgeting
April 8, 2025
|
8
MIN TO READ
Getting Started with Investing: Tips to Make It Easier

Starting to invest can be challenging. That is understandable because you are entering a new and unfamiliar world. How do you start investing? Where can you buy stocks? And can you invest with small amounts? We will answer these questions and share five practical tips to make getting started with investing a bit easier.

Budgeting
April 1, 2025
|
10
MIN TO READ
Planning to Get Married? Here Are the Costs of a Wedding

Planning a wedding is an exciting yet challenging task, especially when it comes to managing expenses. Many couples wonder: what does a wedding actually cost? This article breaks down the various elements of a wedding and provides cost estimates for each. This gives you a clear picture of what to expect and helps you plan your wedding within budget.

Others
March 25, 2025
|
7
MIN TO READ
Finished Studying? Here Is What to Arrange When Starting a Full-Time Job

You have completed your studies in The Netherlands and are starting your first full-time job. This exciting new phase comes with many responsibilities, which can feel overwhelming. Here is a checklist to ensure a smooth (financial) transition as you start your career.

Others
March 18, 2025
|
5
MIN TO READ
App for Tracking Expenses: Discover Grassfeld

Are you looking for a free app to help you track your expenses so you can instantly see where your money goes? Try Grassfeld! This article explains how to use the app to track your spending (and why it’s essential).

Others
March 11, 2025
|
5
MIN TO READ
How to Save Money Fast?

Once you have set a savings goal, you naturally want to reach it as quickly as possible. Here are some tips to help you save money faster! 🚀

Others
March 4, 2025
|
6
MIN TO READ
Renting vs. Buying a House: What is the wise choice for you?

Renting or buying a house: what is wiser? Almost everyone reaches a point in their life where they ask themselves this question. Deciding whether to rent or buy a house is an important decision that affects both your finances and lifestyle. This article outlines the pros and cons of each option to help you make an informed decision.

Budgeting
February 25, 2025
|
5
MIN TO READ
Budgeting: how do you do it?

Staying in control of your personal finances starts with setting a budget. This will make you more mindful of your spending. But how exactly do you do that, budgeting? To help you get started, we have outlined five budgeting methods for you to consider.

Analytics
February 18, 2025
|
5
MIN TO READ
13th Month: What You Need to Know

As you know, each year has twelve months. However, in the world of payroll, there is something called a 13th month. What exactly is that? How does it relate to holiday pay and the year-end bonus? How is it calculated? In this article we will explain the concept of the 13th month in simple terms.

Life events
February 11, 2025
|
5
MIN TO READ
Costs of Raising a Child: Key Considerations for New Parents

Having a child is one of life’s most profound and impactful events. At the same time, it also comes with significant financial responsibilities. This article provides a general overview of the costs at each stage of a child’s life, helping you prepare for what to expect.

Savings
February 4,2025
|
6
MIN TO READ
Tuition Fee Credit: What Exactly Is It?

If you are studying in the Netherlands and are 18 or older, you are eligible for student finance, which includes the option of a tuition fee credit. But what exactly is this? When could it be wise to apply for a tuition fee credit, and what are the pros and cons? Here’s a clear explanation.

Savings
January 28, 2025
|
5
MIN TO READ
Control Your Money: Tips and App

Gaining control over your finances can be challenging, especially with temptations everywhere — subscriptions here, discounts there and before you know it, you’re spending way more than planned. Making smart choices and managing your money consciously, does not only help you save, but also brings peace and clarity. Here are six practical tips (along with a free app) to help you gain and maintain control of your finances.

Budgeting
January 21, 2025
|
5
MIN TO READ
50/30/20 Rule: Explanation of This Simple and Effective Budgeting Method

If you want to maintain or improve your financial health, budgeting is a wise approach. The 50/30/20 rule is a simple and effective method for doing so. This rule of thumb helps you avoid overspending by dividing your income into three categories: 50% for necessities, 30% for leisure, and 20% for savings, investments, or debt repayment.

Budgeting
January 14, 2025
|
5
MIN TO READ
Dividing Costs When Moving In Together: How to Do It and What to Consider

Moving in together is an exciting step in a relationship, but it also brings practical considerations. How will you divide expenses? Who pays for what? Below is an overview of important factors to consider when splitting fixed costs, along with tips for a fair division.

Others
January 7, 2025
|
10
MIN TO READ
Study Finance for International Students in the Netherlands

If you are studying in the Netherlands, you may be eligible for ‘studiefinancering’, which also applies to international students. This means that you receive monthly funds from the government. If you complete your studies within ten years, this so-called ‘performance grant’ is converted into a gift, meaning you do not have to pay it back. This article explains the conditions under which international students in the Netherlands may qualify for study finance.

Savings
December 17, 2024
|
10
MIN TO READ
Money-Saving Tips for Groceries

A significant portion of your monthly expenses is likely going toward groceries. This also means there’s plenty of room to save, leaving more money for other things. Here are some practical tips to help you save on groceries.

Savings
December 10, 2024
|
10
MIN TO READ
How Much Savings Do People Have at a Certain Age?

How much money do you have in your savings account, a little or a lot? What is a lot? It can be helpful to have some comparison to get an idea of whether you're on the right track when you look at your savings balance. That's why we explain how much savings are considered ‘normal’ to have.

Life events
December 3, 2024
|
10
MIN TO READ
Moving Out: What Insurances Do You Need?

When you move out and start living on your own, there's a lot to manage. You get your own space and the freedom to come and go as you please. But it also comes with responsibilities, like managing your finances (with more expenses) and getting the necessary insurance. Which insurance are essential when you move into student housing? We’ve listed the most important ones for you!

Savings
November 26, 2024
|
10
MIN TO READ
Savings Deposit: What Is It and What Should You Consider?

Not all savings accounts are the same, and therefore the interest rates differ. A fixed-term savings account, or savings deposit, is one of the most profitable options. But what exactly is a savings deposit? And what should you consider? Let us explain.

Life events
November 19, 2024
|
10
MIN TO READ
Money-Saving Tips for Students

As a student, it can be quite a challenge to make ends meet every month, let alone save some money. A party here, a coffee there; it’s easy to spend more than you intended. That’s why we’ve put together a few handy money-saving tips for students.

Others
November 12, 2024
|
10
MIN TO READ
FIRE movement: early retirement through financial freedom

Do you dream of retiring early and having more freedom to do what you really want for the rest of your life? Then delve into the FIRE movement. It’s all about financial freedom, allowing you to stop working earlier than the retirement age.

Savings
November 5, 2024
|
10
MIN TO READ
What do banks do with your savings?

Most people have at least one checking and one savings account. You use the checking account for daily transactions. Therefore the money needs to be accessible at all times. With your savings, it’s different because you don’t need it right away. So, what does the bank do with your savings? Do they store it in a vault for you until you withdraw it?

Savings
October 29, 2024
|
10
MIN TO READ
Saving vs. Investing: what’s the best option for you?

If you're in good financial shape, you spend less than you earn and save a bit of your income each month. With that money, you can do two things: save or invest. In this article, you'll learn more about the possibilities and risks, so you can determine which option suits you best.

Life events
October 22, 2024
|
10
MIN TO READ
Costs when living on your own: keep this in mind

Living on your own for the first time means taking on responsibilities like rent, utilities, and groceries all by yourself. It's essential to manage your finances carefully to navigate this new chapter without stress. We'll offer an overview of typical living costs, helping you prepare and fully enjoy your independence.

Budgeting
October 15, 2024
|
10
MIN TO READ
Budgeting for beginners: get grip on your finances

Do you want to gain more insight and control over your finances? Budgeting could be the solution. When budgeting, you match your income and expenses. This ensures you don't spend more money than you earn. We provide some practical tips so you can start budgeting.

Savings
October 4, 2024
|
10
MIN TO READ
Savings plan: follow these steps

Can you already picture the piggy bank, filled with enough money to finally make that dream trip or buy a new car? Whether you're saving for something big or want a buffer for emergencies, a clear savings plan can help you. With a few simple steps, you can create a savings plan and reach your savings goals. We explain how to do that.

Grassfeld logo image
The sooner you start using Grassfeld®, the better. Creating and tracking financial goals gives you and your family the necessary perspective. Your path to financial freedom becomes clearer than ever. 
© {year}, Grassfeld®. All rights reserved.
The "Download on the AppStore" button
The "Get it on Google Play" button
‍