11 simple tips to save money on your memorable wedding

Categories Frugality6 Comments on 11 simple tips to save money on your memorable wedding

Just a week ago, we celebrated our wedding! We had very good feedback from our guests and we both enjoyed it very much. It was a very nice and happy day. And we managed to keep under a reasonable budget. We did not go cheap though.

In this post, I am going to talk about some 11 simple ways that you can use to make your wedding cheaper but not  less nice :) You want your wedding to be memorable, but you do not want it to hinder your entire finances. It is possible to organize a very nice wedding and still keep a tight budget!

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Our wedding ceremony in Switzerland on a budget!

Categories Frugality, Switzerland6 Comments on Our wedding ceremony in Switzerland on a budget!

No, I am not writing the same post twice! You may remember, that we got married in Switzerland in May. At that time, we did a small civil wedding with my close family, followed by a small party at our places, joined by some of my friends. We did not have much time, so we decided on doing something really simple.

However, many of our friends and family could not come. So we decided to throw a bigger party to have more people join us. In this post, I am going to share what we did for our wedding. It was a great time for us and our guests! I am also going to discuss the costs, personal finance blog obligation!

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Who is Warren Buffett ? The man and its investments

Categories Frugality, Investing2 Comments on Who is Warren Buffett ? The man and its investments

If you are following personal finance blogs or podcast, you probably have heard the name of Warren Buffett. He is very famous in the community. Warren Buffett is a very successful investor. He made a fortune from nothing. This the first reason he is famous in the community. The second reason is that he advised his fortune to be invested in index funds once he passes away. This is one of the few big investors who is supporting index funds. Finally, he also beat the market for many years. Which is something very difficult.

Being one of the richest persons in the world also helps to make him a very well-known figure. In this post, we are going to look at the history of Warren Buffett first. Some numbers may not seem much in the early years. You need to take into account inflation. 1000 dollars 70 years ago are worth around 10’000 dollars now. We are especially going to focus on the biggest investment he did. Then, I am going to talk about some important traits of the man. This is going to be a long post ;)

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Emergency Fund – Do you really need one ?

Categories Budget, Financial Independence, Frugality, Investing4 Comments on Emergency Fund – Do you really need one ?

If you are interested in personal finance, you should probably have come across the term Emergency Fund. An emergency fund is simply some money, available directly, that you can use in case of emergency. Most people will advise you to get an emergency fund. And they will insist heavily on this subject.

It is an interesting subject since not everybody agrees on it. Some people have an emergency fund that can cover one year of expenses. And some people think you do not need one. Personally, I do not think an emergency fund is a bad thing. But you should be aware of its cost. It also has disadvantages. And you may not need an emergency fund as big as some people tell you. I think that too much people put too much emphasis on the emergency fund. In this post, we are going to see both sides of the story. We are going to see in details what an emergency fund is.

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MBudget Mini and Maxi Promotion – Double the monthly data

Categories Budget, Frugality8 Comments on MBudget Mini and Maxi Promotion – Double the monthly data

I have had Migros MBudget mobile plan for about a year now. And I have just seen that Migros started a very nice offer on their MBudget Mini and MBudget Maxi mobile plan. You can now get twice more mobile data each month for free. I think it is a great offer. So I wanted to share this offer with you! I hope many of you can profit from this awesome offer!

From July 1st to August 31st, you get twice more data for one year. For the same price! This is also working for current customers! My monthly data allowance just got doubled from 600Mo to 1.2Go :)

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June 2018 – Insurance month!

Categories Frugality, Monthly14 Comments on June 2018 – Insurance month!

Fewer things happened in June 2018 than the crazy previous month!

Although it is a good month for savings, it is not as good as I planned. This month is the first month I received my new salary :) But it was a very expensive month :( We had to pay many insurance fees. And several other relatively big expenses. But it is still not too bad :)

Read on if you want to know what happened to use in June 2018!

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How to sell things online in Switzerland ?

Categories Frugality, Side Hustle, Switzerland6 Comments on How to sell things online in Switzerland ?

Recently, I did some ordering in my technology closet (yes, I am the kind of guy that has a technology closet…). And I realized that I had way too many things stored at home. I also realized that I had way too many servers. So I decided to sell online a few things. I also decided I was being crazy and started to dismount two of my servers to sell the pieces.

I am mostly using online websites to sell things. To be honest, I am far from being a minimalist. This is easily seen by my technology that is still too full after this first purge. But I am trying to reduce a bit the amount of burden I own. And if I can get some money in the process, it is bonus ;)

In this post, I am going to talk about what am I selling online in Switzerland. And how am I selling them!

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Revolut Credit Card – No more foreign exchange fees!

Categories Frugality, Travel17 Comments on Revolut Credit Card – No more foreign exchange fees!

Yes, yet another post about credit card :) This one is going to be about the Revolut credit card.

Three weeks ago, I tried to find the best credit card in Switzerland. And last week, I studied another credit card, the TCS Travel Mastercard Gold, with 1% cash back. At this point, I found out that foreign exchange fees were costing me more than the annual fee on the card.

In my first review of my options for Switzerland, I already took a look at Revolut. They offer prepaid credit cards with free foreign exchange transactions! I did not want to consider it because there were a few problems. In this post, I am going to come back to these problems. I finally decided to order a Revolut credit card! And I found out a process to top up a Revolut card for free in Switzerland!

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TCS Travel Mastercard Gold credit card – 1% cashback!

Categories Frugality, Switzerland4 Comments on TCS Travel Mastercard Gold credit card – 14 cashback!

A few weeks ago, I compared the credit cards in Switzerland. I came to the conclusion that for me, the best credit card would be to use Cumulus Mastercard. Since then, I ordered the card, but I have not received it yet. I am also waiting on Revolut to finally get a Swiss IBAN so that I can top it up for free.

However, there is a card I have not considered in my first comparison. The Touring Club Suisse (TCS) is offering two credit cards for its members. The first one is the TCS Member MasterCard. This is not really interesting since it does not have any cashback, but it is free. What is more interesting is the TCS Travel MasterCard Gold. This card will cost you 100 CHF per year, although it is free in its first year. But they will give you 1% cashback. In this post, I am going to look at this card in details.

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How to build a DIY bookshelf for 65$

Categories Frugality4 Comments on How to build a DIY bookshelf for 65$

For a while now, I wanted to buy a Do-It-Yourself (DIY) furniture myself. I wanted to do it principally for fun. And also, I wanted to save money on buying new furniture. Since we needed a new bookshelf for our living room, we decided to build a bookshelf ourselves.

We did it with my wife. None of us is an expert and it is our first DIY furniture. I am reasonably handy in general. And I built a few things with wood when I was a kid. But that was a long time ago. I watched a lot of DIY videos on Youtube and it taught me a lot. But that is all the experience I have. If you have advice for us, do not hesitate to let us know :) In the end, we still managed to build something quite nice for our experience :)

In this post, I am going to go over all the steps necessary to build this project. And since it is a finance blog, I am also going to go over the costs of building the wook shelf.

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