How much should you have saved for a dog if you don't want dog health insurance?

Hey everyone, I have a Sheltie who is now 1.5 years old. I got him health insurance when he was just 8 weeks old. It's comprehensive coverage. It currently costs me €68 a month, or €816 a year. My dog ​​has had three minor issues so far (of course, whether a dog stays healthy or…

Buying a house?

Hello I bought a house two years ago and also took out a savings plan for a half-timbered house. How do you manage the savings? I'm worried about how I'll manage if something breaks. I earn €1,800 a month and have €700 to live on after all deductions.

How much should the reserve be for the dog with dog health insurance?

Hey dear ones, Very quick question for all dog owners (or those who know). Veterinary costs are really high these days! So before I bought my Sheltie, I had already decided to get him health insurance through HanseMerkur (full coverage with additional dental coverage). I read everything carefully, but as is the case with insurance,…

Provisions explanation?

Hello, I am currently learning accounting and have a question about provisions. Provisions are treated like liabilities, but they are also recorded as expenses. Normal liabilities generally don't involve any expenses unless you settle the debt and release the liability. Are provisions therefore treated like liabilities that are immediately repaid? I don't really understand it,…