How To Save Money with a Vegetable Garden

Categories Budget, Frugality, Side Hustle8 Comments on How To Save Money with a 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.

Continue reading “How To Save Money with a Vegetable Garden”

The 6 Kinds of FIRE: Which One Are You?

Categories Financial Independence, Frugality10 Comments on The 6 Kinds of FIRE: Which One Are You?

The Financial Independence and Retire Early (FIRE) movement is not very old. But lately, it has started to get more and more 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 with different kinds of FIRE. You probably have heard of the FIRE way. But have you heard of Lean FIRE or Fat FIRE?

It is 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 what 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.

Continue reading “The 6 Kinds of FIRE: Which One Are You?”

How Millennials Can Get Rich Slowly Book Review

Categories Budget, Frugality, Investing4 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.

Continue reading “How Millennials Can Get Rich Slowly Book Review”

5 Great Ways to Reach Financial Independence

Categories Financial Independence, Frugality, Investing, Real Estate, Side Hustle12 Comments on 5 Great 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.

Continue reading “5 Great Ways to Reach Financial Independence”

How to Build a Nice DIY Shoe Rack for 35$

Categories FrugalityLeave a comment on How to Build a Nice DIY 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 is 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!

Continue reading “How to Build a Nice DIY Shoe Rack for 35$”

5 Money Lessons from South Park #1

Categories Budget, Frugality, Investing, Side Hustle8 Comments on 5 Money Lessons from 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.

Continue reading “5 Money Lessons from South Park #1”

7 Great Frugal Tips to Keep Your Food Budget Small

Categories Budget, Frugality, Switzerland4 Comments on 7 Great Frugal Tips 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 now 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 to our place 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.

Continue reading “7 Great Frugal Tips to Keep Your Food Budget Small”

Adopting the Minimalist Lifestyle Book Review

Categories Financial Independence, Frugality2 Comments on Adopting the Minimalist Lifestyle Book Review

I was thinking to buy a small book on minimalism recently. But actually, I bought a pack of several books about minimalism. To be honest, I was thinking I was buying a single book but ended up with a pack. Oh well. The first book  I have read is Adopting the Minimalist Lifestyle by Ariel Horowitz.

It’s a really tiny book. I was thinking the entire set of book was small already, but each book is tiny. It’s a minimalist book about minimalism ;) I have been able to find it for very cheap on Kindle once again. It is difficult to find this kind of books in my used book shop. But if you are patient, it is relatively easy to find them for cheap on Amazon.

Continue reading “Adopting the Minimalist Lifestyle Book Review”

Grow Your Income or Spend Less to Reach FI?

Categories Financial Independence, Frugality, Investing, Side Hustle14 Comments on Grow Your Income or Spend Less to Reach FI?

When you are trying to reach Financial Independence (FI), the best way to reach FI faster is to increase your savings rate. Your savings rate is the amount of your net income that you are able to save. For this, you have two options. You can either spend less or grow your income. These two options will directly increase your savings rate. And as a result, they will speed up your road to Financial Independence and make you reach FI faster.

So which should you focus on if you want to reach Financial Independence? There are some advantages and disadvantages to each of them. They do not accelerate your path to FI at the same rate. Find out what you should do to become financially independent.

Continue reading “Grow Your Income or Spend Less to Reach FI?”

9 Great Reasons to Live in a Small Countryside Village

Categories Financial Independence, Frugality, Switzerland7 Comments on 9 Great Reasons to Live in a Small Countryside Village

I have lived in a small village all my life. Actually, I have lived all my life inside the same village. And I do not really want to change this. A lot of people find this very surprising. Today, we are going to discuss why anyone would want to live in a small country village.

For me, there are too many advantages of living in the countryside and especially in a small villages. Of course, there are also disadvantages and some people may not like it. But for me, it is great :) In this post, we are going to focus on the main reasons why I love living in our small village.

Continue reading “9 Great Reasons to Live in a Small Countryside Village”