With a year under our belts, we're finally at the place where we know how to save money on general expenses. When we first arrived, we went with whatever bank, utility company, or phone provider was easiest/recommended without doing any of our own research. Then, when we bought a car in November, we did the research & saved a small fortune annually (almost 1,000 €) on the best insurance plan for our situation. Today I just moved our banking to a different bank, because the old bank was charging us exorbitant fees, whereas the new account has no fees or commissions on anything. This will probably save another 150 € per year or more. It's a good feeling to be able to navigate the culture well enough to make these decisions now. Also, since car insurance and banking fees officially came from the "work funds" portion of our budget, we've just gained about 100 € per month that we can spend on the youth rather than giving it to "the man."
Up next, our utilities and cell phone service providers... maybe. :)
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