The Life-Changing Magic of Tidying – The Konmari Method

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The Konmari method is a tidying method developed by Marie Kondo. She has been a consultant for tidying houses and offices for many years. She soon realized that she had a lot of clients and that she could consult in person for them all. So she decided to write her method in a book: The Life-Changing Magic of Tidying. I just finished reading this book on my Kindle and I wanted to share my thoughts about it.

Overall, the method is really simple. You discard all the things that do not bring joy to your life. Then, you set a place for each of your belonging. And after that, you should no need to tidy ever again. Of course, there are some subtleties. But overall, it is really simple.

Keep in mind that I never tested this technique. I just read the book and gathered my thoughts about it. If you already read this book or learned about this method, I would be glad to hear your comments.

Personally, I do not have a lot of issues with tidying. Most of the time, my apartment is very tidy. However, I have a problem with discarding and I should really improve that. In the last year, I have discarded a lot of things. And I want to continue in that path and reduce even more my belongings. I will never be a true minimalist. But tidiness is important for me.

In this post, I am going to go over the Konmari method and what this book can teach you.

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25 money saving life hacks for 2019

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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!

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How I saved more than 50% on one Amazon purchase

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For a while, I had wanted to buy a new home automation hub. However, the one I wanted, the Samsung Smartthings Hub V3 was a bit too expensive on Amazon. After a while, I figured out a way to get 50% of this item by ordering it from another Amazon website and dispatching back home with a mail transfer service.

With this technique, I have been able to save more than 175 CHF on a single Amazon purchase. I did not discover a new technique, this is already known by quite a few people. However, I do not think many people use it. But since it took me a while to figure it out and it saved me a lot of money, I figured it would be interesting to share it with my readers. It is the first time I am using a mail forwarding service in order to save money.

In this post, we are going to see how I saved more than 50% on a single purchase on Amazon by forwarding my parcel from the UK.

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What is your Financial Independence (FI) Number?

Categories Financial Independence, Frugality8 Comments on What is your Financial Independence (FI) Number?

We have already covered a lot of matter on the subject of Financial Independence (FI). Your FI number is the amount of net worth you need to reach before you are financially independent. It sounds simple. But it is not as simple as it looks.

If you want an accurate view of your FI number, you need to estimate how your expenses will be once you are financially independent. And you also need to consider your future income. There is also a second, more simple, strategy where you simply consider your current expenses. We are going to see all, and more!

In this post, we are going to cover in details how to calculate your Financial Independence (FI) number.

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Buy or Rent – Which is Right for You?

Categories Budget, Frugality, Investing, Real Estate7 Comments on Buy or Rent – Which is Right for You?

This is a guest post by Jasper L. Stojanovski from Stojfinance.com. Jasper is a 19 years old man with a passion for investing that hopes to pursue a career in finance. I am very happy to have him contribute to this blog. 

Are you moving out of your home and cannot decide whether to buy or rent?
Many people prefer owning a home. However, financially, this might not be an option for you now. In this post, I will explore the pros and cons of each, so you can decide what is best for you. But before I begin, you will need to answer a few questions:

  1. How long do you plan to live here?
  2. What is the price of housing in your area?
  3. Do you have any savings?
  4. Do you have a good credit rating?
  5. Can you afford to perform regular maintenance?

Once you will have the answers to this question, you will be ready to consider whether you should buy your home or rent your home.

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2018 Top Five Posts from The Poor Swiss

Categories Blogging, Budget, Frugality, Investing2 Comments on 2018 Top Five Posts from The Poor Swiss

Now that the year is over, I thought it would be interesting to see which of the posts I wrote in 2018 have been the most popular. Therefore, I collected the list of the Top Five posts from the blog in 2018.

For this Top Five list, I took the five most visited posts of the year, counting page views. I did not take any pages from my blog into account. In fact, the most popular page on the website is the home page, closely followed by the About The Poor Swiss page. I should note that this may not be the best metric to check popularity. Indeed, some posts are older than others and as such have more views than really recent ones. Moreover, even though some posts have a lot of views, they do not have a lot of comments. So this is not a perfect list. Regardless, I thought it would be interesting to see what come out!

Stay tuned for the five most read articles from The Poor Swiss blog in 2018!

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How much do you spend to work?

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Many people do not realize this, but it is actually not free to work. You are probably spending more than you think to work and earn an income. This may sound counter-intuitive. But many people are spending a lot on their work without realizing.

Of course, you should still earn more from your work than what you are spending to work. But you may be surprised by how much you can save by stopping working. For some people, this could actually mean that it is better for the budget to have only one income rather than two in a family.

In this post, we are going to see exactly how much we spend on our work. I am also going to discuss some of the ways you can mitigate these costs. You will see that some of these items can be reduced. The first step is to realize this and the second step is to act on them.

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My 2019 Goals – More ambitious and original

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Now that the year is over, it is time for me to set new goals for the year 2019. Last year, I started setting goals for myself. I really liked this experience. So, I am going to do the same once again with my 2019 Goals. In 2018, I have been able to reach most of my goals.

Earlier, I have reviewed the goals for 2018. I have seen that several of the goals were not really interesting. And most of the goals were not ambitious enough. For 2019, I am going to try to set better and more ambitious goals. Of course, these goals still need to be attainable. There is no point in setting myself the goal of earning one million in a single year.

In this post, I am going to go over all my 2019 Goals. It is going to be a big piece of words!

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Good New for Revolut: Swiss IBAN and banking license

Categories Budget, Frugality, Investing6 Comments on Good New for Revolut: Swiss IBAN and banking license

Some good news has just arrived for Revolut! Recently, I saw by luck that there was a Swiss IBAN available when adding money to the application. This is really great since that was missing from the start on the Revolut account.

And probably even bigger news for Revolut: they got a European Specialised Bank License! This is a big deal. Revolut is now officially a bank and will soon start offering new services. I have been using Revolut for about six months now and I really like it. I have saved some money by using their free currency exchange services. I am really interested to see how they are going to implement this banking license in the future. I would really like to have a cheap and good bank account in the future.

In this post, we are going to see what do these changes mean for me and other Revolut customers! If you do not know about Revolut, stay tuned!

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2018 Goals Review – Too easy!

Categories Budget, Frugality, Investing4 Comments on 2018 Goals Review – Too easy!

Now that 2018 is finished, it is time to review my 2018 goals. At the beginning of 2018, I set myself several goals in several different categories that I wanted to achieve during the year.

All over the year, I have tracked my goals in each of my monthly updates. Some of the goals went very well and some did not do as well. But overall, my goals were probably too simple. And some of my goals were not really well chosen. But this is all fine since it was the first year I set myself yearly goals. I need to learn from my mistakes. And next year, I am going to try to set myself better goals.

In this post, I am going to go over all my goals from last year and see how it went. I am also going to examine whether the goal was a good one to starts with or not.

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