TCS Travel Mastercard Gold Credit Card with 1% cashback!

Categories Frugality, Switzerland

In the past, I already compared the credit cards in Switzerland. At this point, I concluded that the best credit card is the Cumulus Mastercard. I compared several credit cards to arrive at that conclusion. However, even though I have found a good credit card for my situation, it is a bad idea not to consider new options.

However, there is a card I have not considered in my first comparison. The Touring Club Suisse (TCS) is offering two new credit cards for its members.

What is very 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. This cash back makes it an exciting card for Switzerland.

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How To Build a DIY Bookshelf for 65$

Categories Frugality

I always liked to build things myself. I had always wanted to buy a Do-It-Yourself (DIY) furniture myself. At first, I wanted to do it principally for fun. But I also 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 Mrs. The Poor Swiss. 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. For this project, 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 wood bookshelf by ourselves.

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The basics of investing – Why and How to invest?

Categories Investing, Financial Independence, Frugality

Investing is something that not enough people do. It is something that I started to do too late myself. For some people, it can be intimidating to begin investing.

But investing is not as complicated as people think. While it can be intimidating, this is something that everybody can do. But people should not start investing without doing their research.

This post is the first in a series of posts on Investing. This series of posts is to be an Investing Guide For Beginners.

It 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 a broad sense.

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What is The Best Credit card in Switzerland for 2020?

Categories Frugality, Switzerland

Everybody will agree that credit cards are very useful. A credit card is a powerful tool to improve your personal finances. However, if you do not choose an adequate credit card, it may make your finances worse.

The first important thing is to choose a credit card with no annual fee. You should focus on that first. Contrary to what credit cards want you to believe, it is often better to get a credit card with no fee and smaller cashback rather than an expensive credit card with a lot of cashback. The important thing is to do your research and compare it with your actual credit card spending.

Let’s explore the different credit card options that are available in Switzerland.

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We Got Married! Our Wedding in Switzerland

Categories Frugality, Switzerland

We got married! Last Friday (18.05.2018) Mr and Mrs the Poor Swiss got married! It was a charming and straightforward 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 extraordinary. 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 to fix them!

Categories Budget, Frugality

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 I will also talk about 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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Reasons to Start a Vegetable Garden

Categories Frugality

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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April 2018 – Birthday and new savings record

Categories Monthly, Frugality, Investing

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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No Billag: Swiss People Like Taxes

Categories Frugality, Switzerland

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 I am paying for nothing I am using.

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