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.
Continue reading “7 Simple Tips to Find Cheaper Kindle Ebooks”
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”
Yesterday, the Swiss people were voting on several objects. The No-Billag initiative was one of them, as I mentioned earlier. This initiative wanted to remove the Billag tax. This tax supports the Swiss TV and Radio services. This tax is currently around 450 CHF. But the government will reduce the tax next year to 365 CHF. Unfortunately, the Swiss citizens strongly refused the initiative :(
I have to say that I am quite disappointed in my fellow citizens today. It seems like people like to pay inconsiderate taxes. Thus, we will still have to pay this tax. The only upside is that the tax will be less expensive next year. But that is still a tax paying for nothing I am using.
Continue reading “No Billag: Swiss People Like Taxes”
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”
In order to reduce my monthly expenses, I am trying to optimize each of my recurring expenses. After saving on my car insurance and reducing my rent, I decided to see if I could save money on my mobile plan. And it turned out I could save a lot as well!
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.
Moreover, some public places such as restaurants are starting to offer free WiFi for their guests. However, there is not that many public WiFi access in Switzerland. Especially when you compare with countries such as China and the United States where you can find free WiFi almost anywhere.
Continue reading “Save Money by Changing Mobile Plan”
For the first year in my life, I am gonna try to set clear goals for this year! I have set up a nice spreadsheet for my goals for this year (credits to retirebyforty for the spreadsheets idea):
I have tried to not set goals that are too high but still strive for better than this year. Since it is the first year I am setting goals like this, I do not want to be over-optimistic. This is my first attempt at setting yearly goals, so maybe I will add new goals during the year, but I will not remove any goal nor downsize any goal.
Continue reading “Goals for 2018 – Reaching for FI”
Sometimes, saving some money simply means asking for a reduction! I have asked for a reduction in my rent. And with this, I am going to save more than 50 CHF every month!
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 Money on Rent by Asking for a Reduction!”
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”