I bought my Amazon Kindle more than six years ago. First, I purchased the original Kindle. A few years later, I bought the Kindle Paperwhite. I have been delighted with both. It is such a fantastic thing to travel with all my ebooks in my pocket and not have five or more heavy books in my luggage.
Over the years, I bought and read well over 120 books on my Kindle. At the time, I thought it was very cheap. And indeed, I was saving money compared to print books. I realize now that this may not have been the case.
For frugal people, there is one big issue with Kindle books: You cannot buy used books. In the last two years, I almost have not purchased any Kindle ebook. Instead, I bought many used books. There is a second-hand shop near my current job. I probably bought over 40 books during this time. I bought them for less than 2 CHF each on average. And I only bought books in an excellent state.
The problem is the room second-hand books take! My bookshelf is full, and books are piling up! I am going to build a new one. But after some time, the new one will be full too. The other problem is traveling. If I need several books, it is a pain to carry them.
So I only bought Kindle ebooks for traveling. But there are still so many advantages to my Kindle. Therefore, I have been looking for ways to find cheap Kindle books. Here are nine simple tricks to find cheap ebooks for Kindle.
Continue reading “9 Simple Tips to Find Cheap Kindle Ebooks”
Today’s post is a guest post by Aiden White, a San Francisco Writer. She enjoys writing about debts and many other financial subjects. She is the author behind consolidatecreditcard.org. I am happy to have her as a guest poster for the second time!
“Are you worried about your increasing weight? Did you already plan your daily gym routine and diet chart after consulting an expert?”
If I ask these questions to any normal people, most of them will answer me by saying Yes!
But what if I ask someone this – “How much debts you have?” or “are you making payments on your high-interest credit cards?” or “are you worried about your increasing debt load?”
The answers you might get would not be so encouraging, trust me. But it is also a fact that a maxed-out credit card or few unpaid payday loans may increase your debt weight more than you can imagine.
So what is the option you have? Just get out of debt and improve your financial status, that’s it! And in this case, a proper budgeting strategy will help you a lot to reduce the debt burden.
How? Read on to know more.
Continue reading “6 Steps towards a Solid Budget can make you Debt-Free”
Taxes in Switzerland are quite complicated due to the multiple states. Each state has its own rules and even its software to fill your taxes. Nevertheless, it is essential to know how the taxes work to be able to fill your tax declaration.
I want to go over the details of how the Swiss Taxes work. We are going to talk about the multiple levels of taxes in Switzerland. Also, we will cover how is your income taxed and how is your wealth taxed. We are also going to see the things you can deduct from your income when you fill your tax declaration and how you can pay your taxes.
Of course, we cannot talk about taxes without talking about optimizing taxes. That is probably the only reason people want to learn about taxes! In this post, I am going to share all I know about optimizing taxes in Switzerland!
Stay tuned to learn all about the taxes system of Switzerland and how to reduce your taxes!
Continue reading “Guide to Taxes in Switzerland – Reduce your taxes!”
Everybody will agree with me that paying 1.5% of fees, or more, on each transaction abroad really sucks! That is not something you want to think about when you are on vacation or shopping online in other countries. Thanks to N26, this should never be necessary anymore!
N26 is a digital bank offering transfers in other currencies for free! Not only that, but the entire bank account is actually free! And they are a bank! Your money is insured according to European laws. You can even withdraw money for free several times a month! That sounds great, right?
In this post, I am going to cover everything you need to know about N26. And since I have already talked about Revolut on this blog, I will compare both services which are similar but not totally equivalent!
Stay tuned to find out how to save money on foreign exchange fees!
Continue reading “N26 Digital Bank – Save on Foreign Currency Fees”
Since I have started improving my personal finances, I have optimized a lot my usage of credit cards. I have reduced the annual fee of my credit cards to zero. As a matter of fact, I have reduced all my credit card fees to zero! That’s right, I do not pay any fee using credit cards, even for foreign currencies. This is much better than before since I did not even know I was paying too much at that time!
Moreover, I have also improved the cashback I get for each of my purchase. Now, I get up to 1% cashback on my purchases! On the other hand, to optimize my fees and cashback, I had to go from one single card to three credit cards. There is no free lunch, unfortunately.
In this post, I am going to share my entire credit card strategy. If you want to save on fees and improve your cashback, this will help you! Indeed, if you are willing to go the extra mile, you can save money and generate some small income with credit cards.
If you have an idea on how to improve my strategy, I would love to know about it!
Continue reading “The Best Credit Card Strategy: No Fees and Maximum Returns”
You have probably already heard of lifestyle inflation? I have already talked a bit about that since I fell into this trap myself. It is a very important subject because many people are subject to it. And lifestyle inflation can ruin your financial life. It is important to learn how to avoid life style inflation!
Lifestyle inflation is happening when your spending is going up and up. Many people when they get a raise or some extra income, they simply go with spending it all. They do not only do it for one month, but they also do it the next month as well. And the following time they get a raise, they do exactly the same. Some of them can afford it, but some people go into debt in that vicious circle.
The main problem is that most people do not consider everything there is to consider when getting some extra income. For instance, they do not consider that they will have to pay more taxes when they get more income. And they do not consider the upkeep costs of some of the things they buy. Moreover, they also do not think of their retirement. The more you spend each month, the more difficult it is to retire.
In this post, we are going to see all about lifestyle inflation. I am also going to talk about a few rules you should consider if you want to avoid, or limit, lifestyle inflation.
Continue reading “How to Avoid Lifestyle Inflation?”
Recently Swisscard announced a new offer for credit cards: Swisscard Cashback. They offer an American Express (Amex) and either a MasterCard or a Visa. They already offered several cards in the past. But these new Cashback cards are really interesting.
First of all, all these cards are free! This is very important because unless you spend a lot of money, a little fee will render your cashback totally useless. But these are not the only free cards in Switzerland! What is very interesting is that they are offering 5% cashback in the first three months. After that, the cashback bonus becomes 1% on the American Express card and 0.2% on the MasterCard and Visa cards.
A cashback of 1% is more than other free cards in Switzerland are offering! Of course, you need to be able to use the card as much as possible in order to use that extra cashback. This may be difficult since American Express cards are not as well accepted as Visa and MasterCard, especially in Switzerland.
In this post, we are going to see if this offer is really interesting and if it is worth ordering a new Swisscard Cashback credit card.
Continue reading “Swisscard Cashback Credit Card – Free and 1% Cashback”
It is time for yet another post about learning money lessons from animated sitcoms! This time, we are going to learn five money lessons from The Simpsons!
I am sure I have some fans of the Simpsons among my readers! I watch many animated sitcoms myself. And while The Simpsons is not my favorite of them, I often have fun watching episodes of this show! I already found five money lessons from Family Guy and five money lessons from South Park. Now, it is time to find out if we can learn something from Homer. Compared to the other two animated sitcoms, The Simpsons is a bit more logical and down to earth, although it is often pretty stupid.
I have tried to find some interesting episodes from The Simpsons with real money lessons. Some of them are all about money. And some others have only small lessons. But I hope you will enjoy both the episodes and the lessons we can learn from them!
All the pictures from this post are the property of Fox.
Continue reading “5 Money Lessons from The Simpsons #1”
Since I started my journey to a better financial state, I have read many Personal Finance books. I have mostly read books about Investing. I have also read some more general personal finance books that are going all around. I thought it would be interesting to compile the list of all the books I have read so far.
Here, you will find the list of all the best personal finance books I have read. I have put them into several different categories. I will keep this page up to date with the future books I am going to read.
If you have any suggestion of book for me, I would be glad to hear about it!
Continue reading “Best Personal Finance Books”
Today’s post is a money-saving post by Aiden White, a San Francisco Writer. She enjoys writing about debts and many other financial subjects. She is the author behind consolidatecreditcard.org. I am very happy to have her contribute a guest post to my blog!
People may have started this New Year with lots of hope and life goals to improve their financial life. They are making new plans to reduce their monthly expenses, consolidate multiple debts, create savings accounts and an emergency fund to handle their money well.
Controlling your money and life may require some new hacks for saving money more easily and achieve financial freedom in 2019. These money-saving hacks are related to your day-to-day life with the goal of helping you cut costs.
In order to improve your savings this year, you will definitely require a few money-saving hacks so that you may easily wipe out all of your financial problems!
So, try to implement these money-saving hacks and save more in 2019!
Continue reading “25 Money Saving Life Hacks for 2019”