My 2019 Goals – More ambitious and original

Categories FIRE, Frugality, Goals, Minimalism, SpendingLeave a comment on My 2019 Goals – More ambitious and original

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, Investment, Spending6 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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Money lessons from animated series – Family Guy #1

Categories Budget, Frugality, Investment, Spending2 Comments on Money lessons from animated series – Family Guy #1

Do you like Family Guy? I know I do! Have you ever wondered whether you could learn some money lessons from an animated sitcom like Family Guy? If you have, this post is for you! Today, we are going to try to get some money lessons from five Family Guy episodes!

Recently, I have done the same exercise for South Park, trying to learn money lessons for five South Park episodes. I really had a lot of fun writing the previous post. The post did not generate a lot of views. But it is still fun enough so I am going to give it another try with Family Guy. For this post, I selected five episodes related to money. Now, in Family Guy, there is often no real focus during most of the episode. So it is actually a bit more difficult to find episodes related to money. Sometimes, only a part of the plot is related to money. But that is logical given the craziness of the show! Which is one of the reasons I really like this show!

For those that do not know, Family Guy is about the adventures of the Griffin Family. There are Peter and Lois Griffin, the parents. They have three children, Meg, Chris and Stewie, the baby. And they have a dog, that can talk, Brian. Peter is very dumb and so is Chris. And nobody likes Meg. Oh, and the baby is a genius that wants to kill his mom. They have highly unlikely and dumb adventures. And this makes the show really funny.

The pictures in this post are the property of Fox.

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How we saved 50 CHF with our vegetable garden

Categories Budget, DIY, Frugality, Side Hustle2 Comments on How we saved 50 CHF with our vegetable garden

This year was our first year with a vegetable garden. There were several goals in growing our own vegetable garden. The first was because we wanted to have fresh vegetables. The second was that we actually like gardening. And finally, we also wanted to see if it was possible to actually make a profit with a garden.

Since it is now the end of the gardening season, I am going to summarize the results of our garden. It is pretty empty right now since we only have a few winter vegetables. During this season, we kept a precise list of what we got out of our garden. And we of course also kept the list of our expenses. With this, we should be able to know if our garden was profitable or not ;)

Regardless of its profitability, it was a great experience for us. It is so good to be able to enjoy healthy and home-grown vegetables in our dishes! In this post, we are going to show what we got from our vegetable garden. I am also going to share what we learned and the mistakes we did for our garden.

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What kind of FIRE are you?

Categories FIRE, Frugality, Switzerland10 Comments on What kind of FIRE are you?

The Financial Independence and Retire Early (FIRE) movement is not very old. But now it is starting to get traction. There is a ton of blogs on the subject and we are starting to see several articles on the media about the FIRE movement. With many different people starting to follow the movement, there are now several sub-movements. You probably have heard of the FIRE way. But have you heard of Lean FIRE or Fat FIRE?

I thought it would be very interesting to see what are all these different FIRE ways. All these acronyms are a bit ambiguous and can make matters a bit complicated. It is not extremely important to know which kind of FIRE you are. But it is an interesting thought :)

Once you finished reading this post, you will know what kind of FIRE you are! Or maybe you will define a new kind of FIRE! And that is perfectly fine. Each way to FIRE has its differences.

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How Millennials Can Get Rich Slowly Book Review

Categories Books, Budget, Frugality, Investment4 Comments on How Millennials Can Get Rich Slowly Book Review

I just finished reading another tiny book. I read “If You Can: How Millennials Can Get Rich Slowly”, by William J. Bernstein, on my Kindle. This is a quite recent book, from 2014. This is a simple book about how you can get rich slowly. It is specially tailored for millennials. The book is organized around five different hurdles in order to reach the goal of getting rich. I was lucky enough to find it for cheap on Kindle.

There is something very important in this book. The author insists on the fact that you can only get rich if you really want to go there. You need to do the job. There is no get-rich scheme where you have nothing to do. You need to save money and invest it. If you are not willing to save more money, nobody will do it for you!

Even if this book is titled for millennials, everybody can profit from it. In this post, we are going to see what this book has to offer you.

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5 Sure Ways to reach Financial Independence

Categories FIRE, Frugality, Investment, Real Estate, Side Hustle12 Comments on 5 Sure Ways to reach Financial Independence

We have seen that there are many reasons to want to reach Financial Independence (FI). Once you reach FI, you can do what you want without having to worry about money. This is awesome! You only keep working if you want to. This is something most people would want to achieve. For me, my ultimate goal is to reach FI.

There are several ways to achieve Financial Independence. Indeed, there is not a single path to go from where are you now to the point where you are financially independent. Of course, there are some similarities between some of these ways. But they are different enough. Most of the time, you will need to follow several of these ways to reach Financial Independence earlier.

In this post, we are going to see the different paths you can take to become financially independent. There are surely other ways to reach Financial Independence. But these are the main ways and the ones I know. If you know of another sure way to become financially independent, I would be glad to hear about it.

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How to build a nice shoe rack for 35$

Categories DIY, FrugalityLeave a comment on How to build a nice shoe rack for 35$

I have finally been able to do my second Do-It-Yourself (DIY) furniture. I have built a nice shoe rack. And I managed to keep it on a nice budget! I wanted to do this project for a long time now. But either I did not find the time or our budget was too bad to afford this. It is not a big price. But I did not want to make some months even worse than they already were.

But finally, here it is! Four months after our DIY bookshelf project, I have been able to build my second DIY furniture. Since Mrs. The Poor Swiss joined me in Switzerland, the number of shoes in our apartment exploded. I have only three pairs of shoes for the entire year. But Mrs. The Poor Swiss already has about ten pairs ;) So we needed a new shoe rack. And I wanted to build it myself :)

I managed to build a nice enough shoe rack for about 35 dollars. For the size of it and the look of it, I think it’s a really nice price. But I will let you judge. Remember that I am no expert in wood or furniture making! I am just starting out. So if you have any advice for me, I would really appreciate!

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Money lessons from animated series – South Park #1

Categories Budget, Frugality, Investment, Side Hustle8 Comments on Money lessons from animated series – South Park #1

Have you ever wondered if you could learn money lessons from animated sitcoms? If you have, this post is for you! Today, we are going to learn money lessons from five South Park episodes!

This post is going to be very different from my usual posts. We are going to learn money lessons from animated sitcoms. I do not know you about you. But I really like American animated sitcoms. I watched several of them in their entirety. I cannot count the times I laughed uncontrollably at some of their episodes. Yes, they are incredibly dumb. It is the point. But that is what makes them incredibly funny! I like dumb things ;) I have watched the entire collection of South Park, Family Guy, The Simpsons, American Dad, and Rick And Morty. And I have watched many episodes many times. I even know some of them almost by heart.

So let’s see if we can learn something from these dumb episodes. The lessons learned can be about investing, personal finance or anything money-related. The first post will be about South Park. For this, I chose five episodes who can teach us something about money. If this post ends up being popular, I am going to try to make several of these posts. I already have several ideas for the next episodes.

The pictures in this post are the property of Comedy Central.

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7 simple things to do to keep your food budget small

Categories Budget, Frugality, Spending, SwitzerlandLeave a comment on 7 simple things to do to keep your food budget small

Our food budget is something that we are managing to keep quite low. Last year, it was still too high. So I changed some of my habits and how we manage to keep our food budget around 400 CHF on average. For two people. This may seem high. But for Switzerland, I think it is quite reasonable. And several months we are quite lower than this. It is the months we are inviting many people over that are increasing the average.

To reach this low food budget, we are doing several things. And by following these simple tips, you can also keep your food budget low! Mainly, the idea is to compare several shops and only shop where you can get the best bargain. If you want to go all the way, you should compare each shop for each product. But who got the time? The idea is more to select one cheap shop as the main shop and then buy some cheaper things in other shops but less often.

So, in this post, I am going to list 7 simple things we do, and that you could do too, to keep our food budget low.

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