Money and deals checklists

Renting a flat and buying a used car: deals where the checks take an hour and skipping them costs months. These lists gather what is worth seeing with your own eyes and asking before you sign.

Lists in this section: 11

Buying a flat: what to check A buyer's organisational checklist: the flat itself, the building and area, document questions and money. What to look at and what to ask a professional. Items inside: 18 Buying a used car: checks What to check before buying a used car: VIN history, documents, body and engine condition, the test drive and how to close the deal safely. Items inside: 21 Emergency fund checklist How to build a reserve: calculate from costs, set the target in months, keep it separate and accessible, automate contributions and agree spending rules. Items inside: 14 Home purchase negotiation prep Not the viewing checklist — the deal itself: price, deposit, timeline and the back-and-forth. What to prepare before talking to the seller so you neither overpay nor lose the place you want. Items inside: 18 Letting your flat: checklist Preparing the flat and the paperwork: small repairs and appliances, price and terms, viewings, contract and inventory, deposit, contact and move-out. Items inside: 18 Personal budgeting habit Not an emergency fund — a regular tracking habit: expense categories, a tool, a weekly review day, and rules you'll actually stick to. The list adapts to solo versus shared budgeting. Items inside: 15 Registering as self-employed / sole proprietor The organizational steps for registering your own business: choosing a legal form, registration, a separate account, bookkeeping and taxes. Rules vary sharply by country — every point comes with a reminder to verify locally. Items inside: 20 Renting an apartment: pre-lease checks What to check before signing a lease: proof of ownership, the apartment's condition, key contract clauses and common rental scams to avoid. Items inside: 22 Retirement transition The organizational side of the transition: filing for benefits, insurance, a budget for the new phase, and handing off work. Pension rules vary sharply by country — every point comes with a reminder to check with your own fund. Items inside: 16 Subscription audit checklist How to find every subscription and decide on each: a year of statements, app stores, email, cancelling properly, trial reminders and a repeat in six months. Items inside: 14 Switching banks or cards: checklist How to switch without losing anything: open the new account, list a year of connections, move payments in and out, run both for a month and close formally. Items inside: 14

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