From groceries to family vacations to future goals—learn practical ways to manage your finances with clarity and confidence.
Hi, I’m Yvonne – a mom, wife, and finance enthusiast living in the Austrian countryside. On My Family’s Finances, I help families and young adults feel more confident and in control when it comes to money.
Whether you’re trying to stick to a budget, save for your next family vacation, start investing, or simply understand how financial products work — you’re in the right place!
Let’s make managing money less overwhelming and more doable, one step at a time.
Where to Start?
Discover your financial position and take control of your money. A complete guide to the financial ladder,...
Learn the basics of budgeting and create a family-friendly Excel budget. Step-by-step guide, expense...
Discover the essentials of investing and learn how to grow your money wisely. This beginner-friendly...
Recent Posts:
You do not need a lot of money to start investing. Learn how small amounts can grow into real wealth over time, even if you only invest a few euros each month.
Market ups and downs can be stressful, but a volatile market is a normal part of investing. Learn how to stay calm, think long term, and make smart decisions when markets move unpredictably.
Choosing your first stock or ETF can feel overwhelming, but it does not have to be. Learn how to start investing with confidence, understand the basics, and build a strong foundation for your financial future.
Explore the Financial Basics series to learn key investing concepts. Understand risk and return, diversification, ETFs, commodities, stock indexes, long-term investing, and the cost average effect.
Learn what commodities are, how they are traded, and how they can diversify your investment portfolio. Explore the risks and rewards of investing in commodities like gold, oil, and agricultural goods.
Learn the key differences between speculation and long-term investing. Understand risks, strategies, and why a long-term approach is often better for building lasting wealth.
Learn how stock indexes work and why they matter. Discover the purpose of indexes like the S&P 500 and Dow Jones, how they are calculated, and how investors use them for diversification and performance tracking.
Learn how the Cost Average Effect (Dollar-Cost Averaging) works. Discover why investing regularly over time reduces risk, builds discipline, and supports long-term growth.
Discover the basics of diversification in investing. Learn why spreading your money across different assets, industries, and regions helps manage risk and supports long-term growth.
Learn the basics of risk and return in investing. Understand how different types of risk affect your money, why return matters, and how to balance both for smarter financial decisions.