When I was young, I was gardening with my father in our house. And before that, my grandfather was often taking me to his big garden. I always enjoyed it. However, since I moved into my current apartment, I never took the time to start a vegetable garden. Now that my girlfriend moved in with me, we decided it was time to start a garden again. The idea was to grow some of our own vegetables.
With our apartment, we have a large lawn, filled with grass and a few trees. We asked the owner if we could remove the grass to start a garden. Since she accepted, we started our garden.
I am going to present all we did with our garden in this post. Neither of us is any gardening expert. We maybe did some mistakes, but we are having fun :) And I wanted to share this project. Also, my English gardening vocabulary may not be great. So, gardening experts, do not get offended ;) I would be glad to hear all your tips!
Continue reading “Reasons to Start a Vegetable Garden”
I just finished reading I Will Teach You To Be Rich, by Ramit Sethi. This book will give you a lot of advice on how to improve your finances. It may not make you a millionaire. But it is a great book, full of helpful recommendations on how to improve your finances!
This book has been great to read. It is one of the best of the personal finance books I have read so far. Like the last book I read, I have been able to buy it for a few dollars on Kindle. If you want to be lucky, look at my techniques to find cheap Kindle ebooks. It is nice and light to read. It is not too dense and still contains quite a lot of information.
Continue reading “I Will Teach You To Be Rich – Book Review”
In this post, we see how to buy an Exchange Traded Fund (ETF) on DEGIRO. The process will be the same regardless of the ETF you want to buy.
DEGIRO is a great broker for European investors. They have very low fees and are very easy to use.
We will also see how to deposit money into your account. You will need money in your account before you can buy an ETF.
And remember: Investing involves the risk of loss. Always do your research before you invest and know why you invest and what you invest in.
Continue reading “How To Buy an ETF on DEGIRO”
Having a clearly defined strategy is very good for your investments and finances. It is essential to have goals and a long-term vision.
An Investor Policy Statement (IPS) is a tool helping you do just that. It is a way of writing down why and how you are investing. Your IPS helps you have a clear view of why you are investing and how you should invest in attaining your goals.
When I started investing, I wrote down my Investor Policy Statement. It took me about two hours. It was an excellent exercise for me.
In this article, I show you my IPS and explain precisely the goals of an IPS. Each statement will be different because each investor is different. You can follow my example to start your own. But you still need to think about each point and adapt it for your own needs.
Continue reading “My Investor Policy Statement – You Need One Too!”
The Millionaire Next Door: The Surprising Secrets of America’s Wealthy, is a book by Thomas J. Stanley and William D. Danko. This book is a study of millionaire households in the United States. In this post, you will find out precisely what this book is about and what I thought about it. I was lucky to find it very cheap on Kindle.
This book is one of the best personal finance books I have read. The authors have gone into a lot of effort to collect all the data from millionaires. And they have drawn some fascinating conclusions from this data.
I am still reading many new personal finance books. And so far, it has been a great ride. There are some great books about personal finance, investing, and frugality. It is just a bit sad that most of these books are missing any international content. They are made for the United States. However, a lot of their lessons can still be translated into Europe.
Continue reading “The Millionaire Next Door – Book Review”
After a record-breaking March 2018, April 2018 is even better :) In fact, in terms of savings rate, it is the best month ever! I am really glad I achieved that good result.
Although I had some significant expenses this month, the savings were great. This is partly thanks to the gifts I received this month for my 30 years birthday! I also managed to keep my expenses quite low. And my net worth made a very nice jump. Overall, a great month!
Continue reading “April 2018 – Birthday and new savings record”
Everybody manages its budget in its way. There is no one single way of doing it. For me, the essential part of a budget is to track your expenses. It is essential. There are many reasons why it is crucial.
You need to know how much you are spending. Then you need to know how much you still have at the end of the month. Seeing your entire monthly budget will help you manage your spending.
In this article, I go over why you need a budget. I also talk about how I manage my budget. It is only one of the ways to do it, but if it works for me, it may work for you!
Continue reading “How to Budget – And my example”
I have already covered in detail each of the three pillars of retirement in Switzerland. In this article, I want to summarize the entire system. I am also going to talk about how early retirement works in this system.
It is essential to know about the three pillars if you want to retire in Switzerland.
Continue reading “The Three Pillars of Retirement in Switzerland”
It is now time to make the point about March 2018. Compared to the very poor February month, March 2018 is a great month :)
Not a lot of things happened this month. But that is not bad. I like quiet months. And I was able to save a large part of my income this month. This is great after a bad month.
Continue reading “March 2018 Update – Excellent month”
Update: I changed the way I am accounting for my life insurance, this gives me a savings rate of 4.2% now. It is still a very bad month.
February is now done, it is time for another monthly update! This was not a good month at all for the financial side. But we had a lot of fun in China. And I was happy to see my fiancee again!
I have not posted on this blog since the last update, I was on vacation in China for more than half the month. I hope to post more in March.
Continue reading “February 2018 Update – Vacation and wedding”