Fourth year of blogging – Summary

Blogging

The Poor Swiss blog just turned four years old last month. Funny enough, I forgot about this birthday this year. It is why this article pops up in November instead of the usual October.

The fourth year of blogging has had very mixed results. I have continued to write regularly, updated many articles, and translated many others. I believe the content is in a good place. Unfortunately, my efforts did not pay off in terms of traffic since traffic is lower now than it was a year ago.

This article is a retrospective of this fourth year of blogging, and I share the numbers about this blog, what went well, and what did not go well.

Continue reading “Fourth year of blogging – Summary”

Third Year of Blogging – The Poor Swiss is 3 years old!

Blogging

The Poor Swiss blog just turned three years old. It is difficult to believe it has already been three years since I started this blog.

I have done a lot of things on this blog in the last year. Some of these things paid off. Some did not. But I think the blog is in a much better place right now than one year ago, which is always a good sign. I hope you agree with me!

This article is a retrospective of this third year of blogging. I am going to share the numbers about this blog but also what went well and what did not go well.

Keep in mind that I am no blogging expert! I am just doing this on the side as a hobby.

Overall, the third year of blogging was excellent! I am happy with how it played out.

Continue reading “Third Year of Blogging – The Poor Swiss is 3 years old!”

Second year of blogging – The Poor Swiss is two years old in 2019!

Blogging

The Poor Swiss just turned two years old! I cannot believe it has already been two years since I started this blog!

I have learned a lot of things this second year of blogging. And even though not everything went well, I think the blog is much better than it was one year ago.

I am going to do a retrospective on this second year of blogging. I want to talk about the numbers of the blog. But I also want to talk about what went well and what did not!

There are some things that went really well this year. For instance, I am still having a blast at writing articles. And I was able to write more than I thought. On the other hand, some of the articles I wrote did not get as much attention as I would have liked.

Overall, I am happy with how this second year turned up. Hopefully, this blog will live yet another year!

Continue reading “Second year of blogging – The Poor Swiss is two years old in 2019!”

Can you Retire Early Without a Successful Blog?

Financial Independence, Blogging

Today, I want to discuss one question that has been on the back of my mind for a while. Can we retire early without a successful blog? The personal finance community is full of bloggers who retired early or want to retire early. However, some of these retirees are getting a hefty income from their blogs. Their examples may not be straightforward to follow without such an income in retirement.

I believe that there are three problems together in this situation. First of all, as I said, can we retire without a blog income? We are going to try to answer this question.

Second, and probably more important, you should be wary of some blogger examples. Due to the high income they get, some bloggers do not use the 4% withdrawal rule that they advertise. That means that you cannot compare your situation and their situations since they are still investing after having retired.

Their net worth keeps increasing after retirement. It is not because the 4% rule is working. It is because these bloggers do not have to withdraw from their principal. And this is not a typical case for most people who try to follow the path to Financial Independence (FI).

Finally, I believe that you should sometimes be careful about affiliate links. They may be here mostly because the blogger wants the affiliate money and not because it is an excellent product in which the blogger believes. It is not directly related to early retirees. But this is entirely related to how bloggers are monetizing their blogs.

In this post, I want to discuss these three problems in detail. I think it is essential to know about that. I went a bit overboard with the length of this post. But I think it is an important subject that deserves more coverage.

Continue reading “Can you Retire Early Without a Successful Blog?”

One Year Blog Anniversary! Lessons and Next Steps

Blogging

I cannot believe it has already been one year since I started blogging. On October 10th 2017, I wrote the first blog post of The Poor Swiss. I have learned a lot of about personal finance in that year. And I have also learned a lot about blogging. Even though this was not my first blog, I still had a lot to learn. And I still have a lot more to learn now!

In this post, I am going to talk about my first year of blogging. If I say this year, it will the year of blogging, it will not be 2018 ;)

Recently, I have talked about the reasons why I am blogging. Now, I am going to share numbers about how the blog is doing. I am also going to share the things I did right and the things that did not go well. However, I still have a lot of work to do to improve this blog. I am hoping that it gets better over time.

Continue reading “One Year Blog Anniversary! Lessons and Next Steps”

Why I Will Never Recommend Bluehost Again!

Blogging

As you may have seen, my blog was pretty much not working between last Thursday and Saturday. I had many issues with Bluehost and it took them an unreasonable amount of time to fix the issue. I already had issues before and this last one was a really bad outage. So, I decided I will never trust them again. Since I do not trust them as hosting provider, I am not going to recommend them anymore.

I have only started using Bluehost a few months ago. But I have had several issues in these months. And these last issues with the website being down for more than a day. They are really doing a bad job… I plan to migrate to another hosting provider soon. In this post, you will find the story behind this!

I am going to start with a question: How many Bluehost support guys do you need to fix an SSL certificate? You will find the answer below ;)

Continue reading “Why I Will Never Recommend Bluehost Again!”

The Poor Swiss blog

Blogging

Welcome to The Poor Swiss blog :)

If you arrived here through The Blog Archives, you have now reached the very first post from The Poor Swiss blog. On the other hand, if you are just starting reading through my posts, you can take a look at my Introduction for New Readers.

This is the first post on the blog The Poor Swiss. On this blog, I talk about many subjects:

  • Financial Independence: Learn how to become free with your money!
  • Investing: How to invest your money to get more income.
  • Budget: How to account for your expenses and earnings and track your performance.
  • Frugality: How to save money on your expenses.
  • And many more subjects!

The year I created this blog, in 2017, my savings were getting worse and worse every month. This was due to many big expenses such as plane tickets and unexpected health care. But this made me realize that I am not saving enough at all. Although I have a good salary and live quite well, I have a tendency to spend too much.

In 2016, my savings rate was around 18%. This is not really bad. But still lower than I would have liked. But in 2017, my savings rate is down to around 7%. This is way too low and made me realize that my expenses are way too high. Moreover, the last two months have been negative months although not by a long shot. This month is also likely to end up being negative. Given my salary, I should easily be able to save at least 25% of my income each month.

Since this point, I started reading many personal finance blogs and websites. I have learned a lot of things about investments and spending. In the coming months, I plan to put these lessons to work. My main change now will be to reduce my spending. I will then continue to learn about investments and I will try to put my money to work. For now, I did not start investing at all. But I plan to fix this. I believe it is important to start improving the budget first before starting to focus on investment.

For some context, I am a 31 years old software programmer. I just finished my Ph.D. in Computer Science and I am still working in my school. I live in a small village in the countryside area of the Fribourg state, in Switzerland. Currently, I plan to stay in that area for many years. But I am hoping to find a better job next year once my contract with my school is finished.

My main goal with this blog is to motivate myself to improve my finances. But I am also going to write personal finance tips and in-depth analysis of some important investing topics. I am hoping that you will learn from my mistakes and improve your finances with me :)

And do not forget that I am not very good with my money, so do not follow everything I do. But you may try to learn from my mistakes. I am not a financial advisor. You should only take financial decisions after having consulted many points of view on the subject.