My beginner mistake was checking in with my phone and trying to check out with the physical bank card. They may use the same account, but the system sees different cards. Always use the same device fo…
Municipal and water-board taxes surprised me in my first year too. Now I divide the previous bill by twelve and move that amount to a separate savings pot every month.
Expanding the search to towns with a direct train connection also helped me. The commute became a little longer, but I finally started getting invitations to viewings.
I would also call DUO instead of guessing from the date in an old letter. They explained my personal timeline clearly, and writing every deadline in one calendar made it feel much less overwhelming.
