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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The basics of investing

Categories Financial Independence, Frugality, InvestingLeave a comment on The basics of investing
This post is part 1 of 5 in the series Investing – All about investing.


This is the first post I am going to write about Investing. I am going to try to cover as much as possible on the different forms of investing. In this first post of the series, we are going to see what is investing in the broad sense.

I do not yet know how many posts will be in this series. I will try to cover the basics, the stocks, the funds, Exchange Traded Funds (ETFs) and so on :) Hopefully, it will be interesting for some of you and it will motivate some people to start investing.

I am no financial advisor. I am not nearly an expert investor. This post is just what I learned about investing from my experience and from research. 

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What is the best credit card in Switzerland ?

Categories Frugality, Switzerland18 Comments on What is the best credit card in Switzerland ?

This month I had to use my credit card a lot. We paid for our honeymoon in full in advance. I also had to advance money to my company for a trip that they will reimburse later. Also, we purchased many things online. Finally, we pay all our groceries with a credit card. To make sure I could pay for our wedding lunch, I even had to increase my limit to 5000 CHF.

Once I realized how much I was using this credit card, I started to wonder if my card was the best available for me. Also, I read a lot of stories of people getting a lot of flights and hotels for free using credit cards. I wanted to know if this was possible for me too. Let’s explore the different options that are available in Switzerland.

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We got married! Wedding in Switzerland

Categories Frugality, Switzerland15 Comments on We got married! Wedding in Switzerland

We got married! Last Friday (18.05.2018) Mr and Mrs the Poor Swiss got married! It was a really nice and simple official ceremony in our state. We invited our closest friends and family members to the ceremony. And then we did a simple party at our apartment. Find out about our wedding in Switzerland.

This post is mostly an occasion for me to share the good news ;) And some photos! I will also share information about how weddings in Switzerland. It is nothing really special. But it could help some readers if they do not know how it works here.

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My 7 biggest budgeting mistakes – How I fixed them

Categories Budget, Frugality7 Comments on My 7 biggest budgeting mistakes – How I fixed them

Over the years, I have made many budgeting mistakes. In this post, I will try to list a few of the big mistakes I have made. I am talking here about mistakes in the way I did my budget. And also spending mistakes. Some of the mistakes are not a big deal but some of the others made me spend too much. Overall, I would be much better off if I had known this a few years ago.

Find out how I fixed my budgeting mistakes. I have learned a lot from my budgeting mistakes and I hope you can learn a lot from them too! The idea is, of course, to avoid them now that you of them ;)

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We started a vegetable garden

Categories Frugality2 Comments on We started a vegetable garden

When I was young, I was gardening with my father in our house. And before that, my grandfather was often taking me to his big garden. I always enjoyed it. However, since I moved into my current apartment, I never took the time to start a vegetable garden. Now that my girlfriend moved in with me, we decided it was time to start a garden again.  The idea was to grow some of our own vegetables.

With our apartment, we have a large lawn, filled with grass and a few trees. We asked the owner if we could remove the grass to start a garden. Since she accepted, we started our garden.

I am going to present all we did with our garden in this post. Neither of us is any gardening expert. We maybe did some mistakes, but we are having fun :) And I wanted to share this project. Also, my English gardening vocabulary may not be great. So, gardening experts, do not get offended ;) I would be glad to hear all your tips!

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Why (and how) I went paperless

Categories Financial Independence, Frugality2 Comments on Why (and how) I went paperless

Last year, I decided to go paperless with my administrative documents. It was a long work. But now I am finally done. All my documents are available as electronic documents now. I have been able to throw away five big document binders.

I have used my phone as a scanner and uploaded all my documents to the cloud. Now my documents are accessible from anywhere. And they are safely stored in the cloud. Find out how I became paperless for free in this post.

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April 2018 – Birthday and new savings record

Categories Frugality, Investing, Monthly11 Comments on April 2018 – Birthday and new savings record

After a record-breaking March 2018, April 2018 is even better :) In fact, in terms of savings rate, it is the best month ever! I am really glad I achieved that good result.

Although I had some significant expenses this month, the savings were great. This is partly thanks to the gifts I received this month for my 30 years birthday! I also managed to keep my expenses quite low. And my net worth made a very nice jump. Overall, a great month :)

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7 easy tips to find cheaper Kindle ebooks

Categories Budget, Frugality5 Comments on 7 easy tips to find cheaper Kindle ebooks

I bought my Amazon Kindle more than 6 years ago. First I bought the original Kindle. A few years later, I bought the Kindle Paperwhite. I have been very happy 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 was thinking 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 bought 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 in this time. I bought them for less than 2 CHF each on average. And I only bought books in very good state. The problem is the room they 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 7 simple tricks to find really cheap ebooks for Kindle.

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