April 2018 – Birthday and new savings record

Categories ETF, Frugality, Investment, Monthly, Spending11 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 :)

Continue reading “April 2018 – Birthday and new savings record”

7 easy tips to find cheaper Kindle ebooks

Categories Budget, Frugality, Spending, Tips5 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’ve 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 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 travelling. 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.

Continue reading “7 easy tips to find cheaper Kindle ebooks”

March 2018 Update – Excellent month

Categories Frugality, Goals, Monthly, Spending8 Comments on March 2018 Update – Excellent month

It is now time to make the point about March 2018. Compared to the very poor February month, March 2018 is a great month :)

Not a lot of things happened this month. But that is not bad. I like quiet months. And I was able to save a large part of my income this month. This is great after a bad month.

Continue reading “March 2018 Update – Excellent month”

January 2018 Update – Ph.D. and good savings

Categories Budget, Frugality, Goals, Monthly1 Comment on January 2018 Update – Ph.D. and good savings

Edit: I changed the way I am accounting for my life insurance, this gives me a savings rate of 33.7% now.

It is time for another monthly update! After a good December 2017, the new year is up to a great start in January 2018 with yet another very good month :) I am really starting to get a hold of my finances.

Continue reading “January 2018 Update – Ph.D. and good savings”

How I saved 10 CHF by changing my mobile plan

Categories Frugality, Spending, Tips2 Comments on How I saved 10 CHF by changing my mobile plan

After saving on my car insurance and reducing my rent, I decided to see if I could save money on my phone plan.

Before I started searching, I already had a very cheap mobile plan for my mobile phone. I was using M-Budget Maxi One with 2GB of data per month for 29 CHF per month. This is pretty cheap as Switzerland goes. However, I am very rarely using mobile data on my phone. I have WiFi at work, WiFi at home and WiFi at the gym. Moreover, I do not use my phone a lot. To be honest, I do not really like smartphones. Even though they are sometimes practical, they are mostly a burden and are destroying social life for a lot of people.

Continue reading “How I saved 10 CHF by changing my mobile plan”

Save 53CHF per month by asking for a reduction of rent!

Categories Budget, Frugality, Spending, Tips5 Comments on Save 53CHF per month by asking for a reduction of rent!

I just got confirmation from my building manager that they accepted the reduction of rent that I asked for. I am quite satisfied with the answer. However, they have been incredibly slow in answering me. They answered more than two months after my request… In Switzerland, most building managers are getting worse and worse.

With this reduction, my base rent goes from 1175 CHF to 1122 CHF. This will only start at the next term of my lease, on April 1st. But this means that next year, I will save 53 CHF * 9 = 477 CHF. And I will save even more the following year since all months will be lower :)

Continue reading “Save 53CHF per month by asking for a reduction of rent!”

How to save money by changing car insurance

Categories Budget, Frugality, Spending, Tips1 Comment on How to save money by changing car insurance

I decided to check all my recurring expenses and see if I could save something on at least some of them. Turns out I can! I was able to change my car insurance to save over 350 CHF per year on it.

It is very important to regularly check if there are better deals on your insurance. Even though an insurance could be the cheapest at some point, it may not be the case a few years later.

Continue reading “How to save money by changing car insurance”