Your family's finances, explained clearly
A mortgage is often the first step. Then come the questions nobody has time for: how much to keep aside, which insurance makes sense, what to do with Czech building savings and how to save for your children or retirement. Here you will find how it all works. When you want a solution, I connect you with a specialist.
What to think about besides the mortgage
The order matters more than the product.
Savings buffer and budget
How much to keep aside in case something goes wrong, and where to put money you don't need right away.
Home and property insurance
What the bank requires with a mortgage, what makes sense on top and where people pay for nothing.
Life insurance
When a family really needs it, for how much, and why it shouldn't double as savings.
Building savings (stavební spoření)
The state bonus, the six-year lock-in and how to use it for housing without paying the bonus back.
Pension savings
State contributions, the tax deduction and why withdrawing early rarely pays off.
Long-term investing
How regular investing works, what risk means and what to ask before you sign anything.
Car, pets, travel
What is worth insuring besides your home and family.
Car insurance
Every car needs third-party liability, comprehensive cover is up to you. What to check: the excess, the no-claims bonus and assistance.
Dog and cat insurance
What vet cover pays and what pet liability cover pays. Waiting periods, exclusions and up to what age a pet can be insured.
Travel insurance
Medical costs abroad, sports and cancellation. What the insurance with your card covers and what it does not.
Health insurance for foreigners
Which foreigners need private health insurance, what it covers and what the authorities want to see.
Liability insurance
When you flood your neighbour or your dog bites someone. Why it is worth having even without a car or a business.
Injury and sick leave
What you get when you cannot work, and why it matters more for the self-employed and for athletes.
Your mortgage and the rest of your finances
A buffer before the payment
The bank checks whether you can afford the payment. You should also plan for six months without income.
Insurance that matches the mortgage
With a mortgage, your family would have more to repay without you. Insurance is set up around that, not the other way round.
Savings with good timing
Building and pension savings have their own rules. If they clash with the mortgage at the wrong moment, you lose the state support.
Just like with a mortgage
Tell me what you need
Choose “Family finances” in the form and write a few sentences.
A specialist gets in touch
A colleague from Prague or Moravia I work with.
The decision is yours
You don't sign anything until you understand it.
Courses on family finances
Mortgages, insurance, savings and investing for foreigners and Czechs. Sign up early on the homepage and you'll be among the first to hear.