Why do so many immigrants get into serious financial trouble in Germany — especially with bills, Inkasso, SCHUFA, electricity providers, or even the Finanzamt?

In this episode, I share real-life experiences of how small mistakes — like ignoring or not properly reading official German letters — can quickly turn into major financial and legal stress.

If you’re living in Germany as a student, worker, entrepreneur, or new immigrant, this conversation will help you understand:

• How Inkasso cases actually start

• How SCHUFA entries can damage your credit score

• Why electricity bills (Stromabrechnung) are sometimes estimated — and what to do about it

• How to deal with letters from the Finanzamt

• Why reading and responding to official letters is non-negotiable in Germany

• How to negotiate large bills

• How to request installment payments (Ratenzahlung)

• What to do when you don’t understand a German letter

🎧 Follow the conversation on Setlinn: https://setlinn.com

If this episode helps you, share it with someone who recently moved to Germany. You might save them from a serious mistake.

Disclaimer:
This episode reflects personal experiences and is for informational purposes only. It does not constitute legal or financial advice. Always verify information independently or consult qualified professionals when necessary.

How to Save Money in German Supermarkets

Many people in Germany believe that expensive brands automatically mean better quality — but that’s not always true.

In this episode, we break down how you can save serious money in German supermarkets simply by choosing store brands (Eigenmarken) instead of famous logos. Inspired by a German documentary, we discuss real product comparisons between big-name brands and supermarket own brands from Aldi, Lidl, Rewe, Edeka, Netto, DM, and Rossmann.

You’ll learn:

• How many Germans cut their grocery bills significantly
• Why store brands are often produced by the same manufacturers as expensive brands
• How to read labels smarter and shop more intentionally
• How one family saved almost €500 per month by changing how they shop

If you’re a student, expat, or immigrant living in Germany — or planning to move — this conversation will help you spend wiser and stretch your budget further.

Follow Immigrant Hub Germany for more honest conversations about studying abroad, visas, relocation, and building a life in Europe.

Disclaimer: This episode is based on publicly available information and personal experiences. It is not financial or legal advice. Please always do your own research before making decisions.

Moruff shares his inspiring journey from Nigeria to Germany—and how his master’s thesis won a Best Master’s Thesis Award one year after graduation.

In this episode, Moruff breaks down how he studied in Germany with a DAAD scholarship, applied for additional scholarships while already in Germany, and what truly makes a master’s thesis stand out in German universities. He also opens up about challenging a thesis grade, publishing academic research, and how discipline, consistency, and persistence paid off in the long run.

In this episode, you’ll learn:
• How DAAD scholarships work for students in Germany
• Applying for scholarships after arriving in Germany
• What examiners look for in an outstanding master’s thesis
• Academic lessons for Nigerian and international students
• Why long-term consistency matters more than quick wins

This conversation is a must-listen for students planning to study abroad or already navigating life and academics in Germany.

🎧 Follow Setlinn for more real stories on studying abroad, visas, relocation, and life in Europe.

⚠️ Disclaimer: The information shared is based on personal experiences and may not apply to everyone. Always conduct your own research before making decisions.