Clanq
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date: 2025-12-17T14:03:45Z
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items: Christmas: Financial education during the festive season
items: Children should gain their own experience with money at an early age
items: What is Financial Wellness?
items: Family budget: Yes or no?
items: Clanq introduces Clarry, the St. Bernard
items: Collect cashback before the baby is born
items: Budgeting for relaxed family holidays
items: These magazines provide reading fun for parents and children
items: The cost of a baby at birth
items: This is what pocket money is all about

Christmas: Financial education during the festive season
type: item
creator: Christina Hammer
date: 2025-12-17T13:24:10Z
subject: Financial education
description: Children and the value of money Der Beitrag Christmas: Financial education during the festive season erschien zuerst auf Clanq.
encoded: The fairy lights are shining, the first gingerbread has been bought, and advertising everywhere whispers the same message: more is better. For your child, this is a confusing explosion of desires. For you as a parent, the pressure to resist this consumer frenzy often grows. What if Christmas suddenly feels more like a chore than a real treat? Your path to a mindful celebration At Clanq, we believe that Christmas is as unique as your family. It can also be simple, quiet, and, above all, loving. Of course, gifts are part of it – but the story behind them is much more important. Especially now, with the flood of gifts, it is clear how valuable everyday financial education is. Children often experience money as something abstract: card, app, click – and there it is. But when you talk together about wishes, budgets, savings goals, and decisions, money becomes tangible again – even digital money. Here are 7 tips on how children can learn to handle money. Savings goals instead of shopping stress Wishes need to be planned! Whether with a traditional piggy bank or digital aids such as Clanq Kids Banking Lite, when your child sees the saving barrel filling up and getting closer to their goal, they develop a real sense of responsibility. Those who save for a wish themselves experience the joy of having achieved it through their own efforts. This is not deprivation, but pure self-determination. It changes their attitude towards consumption in the long term. Our tip: Start the Christmas season with a family discussion. What is really important to us this year? What is our budget for gifts, and who do we want to give gifts to? This honest exchange creates closeness, helps your child set priorities, and understand compromises. The true value lies in the experience There are some things you can’t buy. Time spent together, experiences, and special moments are priceless and become the most beautiful memories. Shift the focus from having to experiencing. Christmas can sparkle – but it…

Children should gain their own experience with money at an early age
type: item
creator: Fabienne Saija
date: 2025-11-24T20:11:47Z
subject: Financial education
description: When is the best time to start? Der Beitrag Children should gain their own experience with money at an early age erschien zuerst auf Clanq.
encoded: Imagine this: your six-year-old child receives their first pocket money and rushes into the shop. Their goal: the giant LEGO dragon! What happens instead? They buy three tiny packets of chewing gum that are soft after ten minutes – and the dragon remains out of reach. The result: tears of realisation and an empty wallet. That’s exactly the point: these small, painful failures are worth their weight in gold! Because as long as the financial decisions are still manageable, it’s perfectly fine (and even important!) for your child to learn through trial and error. Failure with chewing gum is painful, but harmless. Failure with the first rent is more complicated. The right way to handle money is not innate, but a skill that everyone must learn. This includes setting priorities, budgeting and using money responsibly. Early experiences with money allow children to learn the consequences of bad decisions with small amounts before they have more serious consequences in adulthood. It is best for parents to give their children more and more responsibility in many small steps. And the earlier you start, the more small steps are possible. What does «early» mean? The age at which children should have their first experiences with money is very individual. Children are not all at the same stage at the same age, and not all parents think the same time is right. Although every child has their own pace – and you as a parent know best when your child is ready – you can use the following rule of thumb as a guide: We recommend systematically teaching children to take responsibility for their own money by the time they start school (around the age of 6) at the latest. At this age, children develop the necessary understanding of numbers and are mature enough to grasp the connections between desires, saving and spending. Start with small weekly pocket money amounts so that your child can learn to manage their own budget in short, manageable steps. This is what matters when it comes to pocke…

What is Financial Wellness?
type: item
creator: Christina Hammer
date: 2025-10-28T20:18:01Z
subject: Financial knowledge
description: Meaning and why it is important Der Beitrag What is Financial Wellness? erschien zuerst auf Clanq.
encoded: When you hear “wellness”, you might think of a relaxing day at the spa with soothing music. But unfortunately, financial wellness isn’t about bubble baths and massages (although we parents could definitely use that too). Instead, we’re talking about something that sounds less relaxing at first glance, but is just as beneficial in the long run: healthy financial planning. Financial wellness means that you have your finances under control so that they don’t cause you stress – and that can be a real game changer for parents. With all the things parents have to organise, plan and keep an eye on, financial health often takes a back seat. But this is exactly where the concept of financial wellness comes in: It’s about not just keeping your head above water in the short term, but leading a stable, stress-free financial life in the long term. This is essential for families in particular. Of course, financial wellness does not mean that you have to be rich. Rather, it’s about having control over your own money and making financial decisions with a sense of security. In short: money should not be a stress factor, but a tool that you can use to actively shape your future. Tip: Here you can find out how to monitor your budget. Why is financial wellness so important for parents in particular? As a parent, you are not only responsible for yourself, but also for your children. Financial worries can also have an impact on the family. If you regularly worry about bills, debts or unforeseen expenses, you will experience more stress – and this can put a strain on the whole family in the long term. A good financial basis means: More security: you are prepared for unforeseen events and can cushion financial bottlenecks. More freedom: You can offer your children more options – be it in terms of leisure activities, education or little extra wishes. More role model function: Children learn from their parents how to handle money. A conscious approach to finances lays the foundation for your…

Family budget: Yes or no?
type: item
creator: Christina Hammer
date: 2025-09-16T18:48:12Z
subject: News
description: Results of our qualitative survey Der Beitrag Family budget: Yes or no? erschien zuerst auf Clanq.
encoded: How do parents keep track of all these expenses? We wanted to find out more and asked Swiss parents. The answers to our qualitative online questionnaire reveal that every family has its own strategy, ranging from «no budget, we do it by feel» to using Excel spreadsheets and setting clear savings goals. Around half of parents have drawn up a budget Around half of the respondents did not have a family budget at the time of the survey in summer 2025. Some were planning to set one up soon, while others thought they could manage well without one. The reasons ranged from a lack of time to uncertainty about how best to draw up a budget. How to create a family budget! The other half already works with a budget. 46 % of them only update it when necessary, and 54 % use an Excel spreadsheet they have created themselves. Whether simple or detailed, the main thing is that it fits in with everyday life. Here are tips on how to monitor your budget. The biggest challenges Many parents report that the rising cost of living is a real burden. Unforeseen expenses also make planning difficult. One interviewee with two children (aged 10 and 12) said: «Meeting all the needs of every member of the family is difficult. Where do we save, and where are we prepared to invest money?» That’s why it makes sense to build a small nest egg into the budget – for repairs, medical expenses or other surprises. However, saving is also high on the list of frequently mentioned challenges. «Saving enough money for the children’s pensions and education worries me,» says one parent of three children (aged 8, 11 and 13). Good to know: This is what a child costs Don’t put off saving until later Is what I can save today enough for my children’s education or provision? One thing is certain: Many people underestimate how much even small amounts can add up to. 50 CHF per month adds up to over 10’000 CHF after 18 years – and significantly more with interest. That’s why it’s better to start small than not at all. It’…

Clanq introduces Clarry, the St. Bernard
type: item
creator: Iryna Tomchuk
date: 2025-08-07T12:29:17Z
subject: News
description: About our mascot and a strong partnership for children and families Der Beitrag Clanq introduces Clarry, the St. Bernard erschien zuerst auf Clanq.
encoded: What do a St. Bernard puppy and a modern savings app have in common? It’s simple: they are at the heart of a unique partnership between Clanq, Barryland and Cornèr Banca SA – for a child-friendly and playful banking experience! Barryland – home of the St. Bernards Barryland in Martigny is more than just a museum: It’s a living place where children and adults can experience the legendary St. Bernard dogs up close. With interactive exhibitions, real dogs and an exciting history, Barryland is a place full of emotions. Thanks to Cornèrcard’s partnership with Barryland, it is now also part of our Clanq universe. All information about Barryland: barryland.ch Who is Clarry? Clarry is our new four-legged mascot – a fluffy, good-natured, and strong companion. The young St. Bernard still has a lot to learn. At Clanq, we believe that financial education should start early – but always with fun. Together with Clarry, we want to show children that saving, paying and learning how to handle money don’t have to be boring. Clarry stands for trust and accompanies families in their everyday digital lives. With learning and fun! Competitions & family events with Barryland Together with Barryland and Cornèrcard, we are planning exclusive events and fun competitions with surprises and prizes. Curious? Stay tuned – there are lots of new things to discover. Subscribe to our newsletter and follow us on Instagram or Facebook to find out more about Clarry and our competitions! Der Beitrag Clanq introduces Clarry, the St. Bernard erschien zuerst auf Clanq.

Collect cashback before the baby is born
type: item
creator: Iryna Tomchuk
date: 2025-07-14T09:54:56Z
subject: Savings Tipps
description: How the «Safe for the future» works Der Beitrag Collect cashback before the baby is born erschien zuerst auf Clanq.
encoded: A baby means anticipation, excitement – and, of course, lots of new expenses. It’s good to start saving for your child early on. That’s exactly why we’re introducing a new Clanq feature: the «Safe for the future». It allows you to start collecting cashback for your child with every purchase you make during your pregnancy or even earlier. The earlier you start saving, the better Many parents want to do something for their baby’s future even before they are born. However, setting up a separate savings account for your child is often only possible once you have a birth certificate. Clanq closes this gap with the «Safe for the future»: You can set up your savings safe right now! Unlike Clanq’s «piggy bank», which has its own IBAN, the «safe» is only a temporary storage facility and not a traditional account. Nevertheless, the safe is a good way to collect your first savings for your child’s future. Saving for the future – automatically Pregnancy is a time when many new purchases are made: Furniture for the nursery, baby clothes and much more. You can find an overview of the expenses you should expect in our article How much does a baby cost at birth? If you pay for these with your Clanq card, you will receive 1 % cashback on everything. With selected partners – many of which are particularly relevant for expectant parents – you can even receive up to 25 % cashback. This means that part of your spending automatically goes back into your savings vault. Here’s how it works: Download the Clanq app and open an account if you’re new here. Create a new piggy bank. Select the «Safe for the future». Enter your relationship (e.g. mother), an approximate date of birth (month only) and a name or nickname. And you’re ready to go! Cashback is automatically collected whenever you pay with your Clanq card. Shop sustainably and save with our cashback partners Our cashback partners are a central part of our safe for the future and make it easy for you to save money on everyday purchases.…

Budgeting for relaxed family holidays
type: item
creator: Christina Hammer
date: 2025-06-24T21:53:44Z
subject: Savings Tipps
description: Enjoy your holiday without money stress Der Beitrag Budgeting for relaxed family holidays erschien zuerst auf Clanq.
encoded: For many families, the holiday season is the best time of the year – and unfortunately often the most expensive. Between accommodation, meals, activities and little extras, the expenses can quickly mount up immeasurably. But there is another way: with a well-thought-out holiday budget and a few simple tricks, you can enjoy a relaxing family holiday without getting into financial difficulties afterwards. Why do we often spend too much money on holiday? The holiday season is closely linked to emotions: Relaxation, adventure, enjoyment – you want to escape the daily grind. It is precisely this desire that often leads to out-of-control spending. Many people indulge in the motto “Now I’m going to treat myself” during the holidays without paying attention to the budget. In addition, there are spontaneous decisions, excursions, souvenirs or restaurant visits that were not planned. Children’s wishes (“Can I have that?”) are also fulfilled more often in a relaxed atmosphere than in everyday life. Another point: In unfamiliar surroundings, you often lack an overview of prices and alternatives. It’s easy to end up in overpriced tourist traps or buy more than you need out of convenience. Talking about money – especially when planning holidays According to our survey, only one in three families talks openly about money. Yet holiday planning is an ideal opportunity for couples, families or parents with children to consciously address the topic of finances. A joint discussion about wishes and possibilities promotes mutual understanding and makes it clear that if you save money in one area, you can invest more elsewhere – for example, cooking at home three times and then going to your favourite restaurant. You can also involve your child, in an age-appropriate way, in such conversations. They will learn how to make conscious decisions and how budgeting works. Involve your child in the planning Your child can enjoy planning a holiday themselves – it encourages independence and organ…

These magazines provide reading fun for parents and children
type: item
creator: Carina Felsberger
date: 2025-05-27T21:23:02Z
subject: Savings Tipps
description: Reading tips with extra cashback Der Beitrag These magazines provide reading fun for parents and children erschien zuerst auf Clanq.
encoded: Being a parent is wonderful – and sometimes quite challenging. Between mountains of laundry, organising the nursery and helping children to fall asleep, there is often little time to find information or inspiration. The ray of hope: You are not alone! Many parents struggle with challenges, and there are plenty of good guides for them. We’ve put together a selection of magazines that will support you in your everyday life and earn cashback for your child’s piggy bank at the same time. And because children deserve great stories too, at the end you’ll find 2 tips for little bookworms and those who might become one. Note: The following recommended magazines are only available in German language. We’re working on extending our partnerships, so you’ll have the chance to earn cashback with publications in other languages, too. Reading tips with advice and inspiration for everyday family life wir eltern – right in the middle of family life wir eltern is aimed at parents with children of toddler and primary school age. The magazine focuses on topics such as everyday parenting, partnership with children, health, creative leisure activities and psychological impulses for a relaxed family life. Here you will find honest insights, helpful parenting tips, psychological background information and inspiring family stories. From July 2025, you’ll also find financial tips from Clanq here! Annual subscription with 25 % cashback in the Clanq Shop. The Swiss parents’ magazine Fritz+Fränzi The multi-award-winning Swiss parents’ magazine Fritz+Fränzi is the largest advice magazine for parents in Switzerland. It is aimed at parents of school-age children aged 6 and over, teachers and people interested in parenting. Here you will find well-founded articles on learning development, media use, education and everything that helps children grow and learn. High-quality content and practical expert knowledge will help you to accompany your child on their journey – factual, helpful and close to ev…

The cost of a baby at birth
type: item
creator: Carina Felsberger
date: 2025-04-28T13:09:25Z
subject: Financial knowledge
subject: Savings Tipps
description: Costs and money-saving tips for first-time baby equipment Der Beitrag The cost of a baby at birth erschien zuerst auf Clanq.
encoded: When a baby is planned or on the way, emotions run high. Wow, we’re going to be parents! With all the joy, financial means often play a subordinate role. But starting your own family should also be well planned financially, because the beginning of parenthood is expensive. We have already looked into the question How much does a child cost? The short answer: around 330’000 CHF up to the age of 18. However, this calculation starts with the birth of the child. However, parents buy many things before the baby arrives, for example, a changing unit or a pram. These costs for the so-called initial baby equipment are not yet included in this CHF 330,000. Therefore, in addition to the running costs for nappies, clothing and caring for your baby, you also need to budget for the following costs. 1. Furnishing the baby’s room The most important pieces of furniture include Baby cot (with mattress): 150–800 CHF Changing unit: 150–500 CHF Wardrobe/shelf: 100–500 CHF Nursing chair/armchair: 80–300 CHF Total basic equipment: 480–2’100 CHF Tip: Furniture in particular (e.g. chests of drawers, shelves) can be bought second-hand or taken over from friends and acquaintances. This is sustainable and reduces costs enormously. 2. Pram Used: possible from as little as CHF 100 Simple models: 200–500 CHF Branded pushchair: 600–1’400 CHF, in a set with 3 shells up to 2’000 CHF Tip: You will need at least 2 pram shells anyway, and a third one after 6 months. Buying everything as a set is often cheaper. 3. Baby car seat New baby car seat (e.g. Cybex, Maxi-Cosi): 120–350 CHF Used: from 50 CHF Caution: For safety reasons, it is recommended that you buy baby car seats as new as possible or only from a reliable second-hand source. 4. Devices and practical helpers Baby monitor: 40–180 CHF Nappy pail: 25–80 CHF Bathtub/bath bucket: 20–60 CHF Night light: 10–40 CHF Breast pump: 80–250 CHF Bottle warmer/steriliser: 30–100 CHF Depending on whether you are breastfeeding or not, there may be no costs here…

This is what pocket money is all about
type: item
creator: Fabienne Saija
date: 2025-03-14T09:38:28Z
subject: Financial education
description: How much at what age? Der Beitrag This is what pocket money is all about erschien zuerst auf Clanq.
encoded: As soon as your child can solve their first maths problems, you can consider whether you want to introduce pocket money. This will be the case towards the end of kindergarten or at the latest during lower school. Pocket money is a good way of teaching children how to handle money and giving them their first experience with their own money at an early age. Think about the framework in advance. These 3 things are the most important: 1. Recommended amount of pocket money In principle, the amount of pocket money depends on the family budget and the age of the child. Various Swiss platforms (e.g. budgetberatung.ch, projuventute.ch) recommend giving 3 to 5 francs per week to kindergarten and lower school-age children. From the age of 9, the intervals between payments are extended to 2 weeks. For teenagers aged 12 and over, pocket money should be paid monthly, as it will be in their later professional lives. Here’s an overview of the guidelines: From 6 years of age: CHF 3 per week From 7 years of age: CHF 4 per week From 8 years of age: CHF 5 per week From 9 years of age: CHF 15 every 2 weeks From 10 years of age: CHF 18 every 2 weeks From 11 years of age: CHF 20 every 2 weeks From 12 to 14 years of age: CHF 50 to 70 per month 2. Pay out pocket money reliably Just as important as an appropriate amount and frequency is that you give your child their pocket money on time and without being asked. It’s best to fix the payment dates in your diary. Also avoid cancelling your child’s pocket money as a punishment. Think about why you are giving pocket money. Your child should learn how to handle money. They should learn to plan and organise their money. If you can’t count on money reliably, it’s difficult to plan. 3. Pocket money is for wishes and pleasure Children are free to decide how they want to spend their pocket money. Parents continue to buy the necessities. It is important that the family rules continue to apply regardless of the pocket money. For example, if the child de…