We gathered checklists for eleven areas of life; they should help to find useful information as a consumer in everyday life . Most checklists can be downloaded in German, English, Arabic, Russian and Farsi.
All information is available in English and Arabic. Just choose the relevant download.
1. Before opening an account
Every bank or savings bank has to open a bank account for you. You are free to choose the institute. On the checklist you’ll find information about what papers to bring to open an account.
2. After opening an account
The first account you´ll get is called "Basiskonto" (basic payment account). You cannot overdraw it. That means: You cannot withdraw more money than there is on your account. Attention: When you move, you have to notify your bank or savings bank.
In Germany there are a lot of various insurances to protect you in the case of damages against expensive payments. Some insurances are absolutely necessary, others not. In the checklist you find the insurances you have to take out.
4. Mobile phone
To use your mobile phone you can choose between several corporates and rates. This checklist helps you to make a decision. You shall not conclude a contract right in the store. Read the whole contract, especially the small print, carefully at home.
5. Moving in
Bevor signing a lease, you should inquire about all costs. Besides the rent itself, there are so-called utilities and operating costs, e.g. for heating and hot water.
6. Online Shopping
This checklist helps you to tell, if an online shop is trustworthy or not. Besides that you learn, whereon you should pay attention, when browsing with the smartphone.
You are not allowed to watch, listen or play everything that is offered for free on the internet. It can be that you contravene against the so-called „Urheberrecht“ (copyright law). This can be very expensive for you.
8. How can you save energy and avoid mould?
In this checklist you learn how to consume as little electricity and hot water as possible and therefore save money. In order to avoid mould in your flat, it is important to know how to heat and air in a proper way.