Now that the year is over, it is time for me to set new goals for the year 2019. Last year, I started setting goals for myself. I really liked this experience. So, I am going to do the same once again with my 2019 Goals. In 2018, I have been able to reach most of my goals.
Earlier, I have reviewed the goals for 2018. I have seen that several of the goals were not really interesting. And most of the goals were not ambitious enough. For 2019, I am going to try to set better and more ambitious goals. Of course, these goals still need to be attainable. There is no point in setting myself the goal of earning one million in a single year.
In this post, I am going to go over all my 2019 Goals. It is going to be a big piece of words!
Continue reading “My 2019 Goals – More ambitious and original”
Now that 2018 is finished, it is time to review my 2018 goals. At the beginning of 2018, I set myself several goals in several different categories that I wanted to achieve during the year.
All over the year, I have tracked my goals in each of my monthly updates. Some of the goals went very well and some did not do as well. But overall, my goals were probably too simple. And some of my goals were not really well chosen. But this is all fine since it was the first year I set myself yearly goals. I need to learn from my mistakes. And next year, I am going to try to set myself better goals.
In this post, I am going to go over all my goals from last year and see how it went. I am also going to examine whether the goal was a good one to starts with or not.
Continue reading “2018 Goals Review – Too easy!”
I cannot believe it is already the end of the year! This month went by so fast. And this year also crazy fast. It is already the end of December 2018. So, it is time for another monthly update!
This month was pretty calm. We did not do many things and not really substantial happened with our finances. Since this is the end of the year, some recurring bills are arriving now. There are also the recurring costs of gifts for our family and friends. But we have not been very spendy on that part for this year. We have been able to save 49% of our income this month. We are trying to limit gift giving and prefer doing things with friends and family.
And while nothing crazy happened for us, the stock market continued its fast decline. We are getting very close to bear market territory now. With this, we were not able to grow our net worth this month. We will have to watch the market closely next month to see how it goes.
Stay tuned to learn everything that happened to us and our finances in December 2018!
Continue reading “December 2018 – It went by so fast!”
Once again, it is time for a new monthly update from us! This month has passed incredibly fast. I do not know what happened. But I fell that the month was twice faster than other previous months!
There were not many big events this month. But a lot of small events. We went several times to restaurants. We spent a weekend in Brussels, Belgium. And we also had many events with our friends and family. And we went to two concerts. All these small events and some shopping by Mrs. The Poor Swiss made this month more expensive than usual. We managed to save about 45% of our income this month. Although it is not really bad, it is not as much as last month and not as much as I was expecting.
The stock market continued to be very volatile this month. After last month big loss, the market started going up for the first week of the month. But then, it started going down once again to reach a new low for the month.
In this post, I am going to describe all that happened for us, and especially for our finances, for November 2018.
Continue reading “November 2018 – Brussels and too much shopping!”
Since I have met Mrs. The Poor Swiss, I have tried to learn some Chinese. For now, it is pretty laughable. But I think I am making progress. Between Mrs. The Poor Swiss arrival in Switzerland and our wedding, I was not very astute to this. However, since September, I have decided to start again harder. I am now practicing every day for at least twenty minutes.
At first, I was thinking to enroll in a real course with a teacher. I checked the courses offered in my region. But I did not find some good options at a fair price. Most were either too expensive or too far away. I tried to enroll in a Migros course. But the course was canceled for lack of students and I did not want to wait several more months for the next course to start.
So I started looking at online solutions. Online solutions have the immense advantage that you can learn how long you want and at the time you want. There are many solutions that can be used for this. I have compared several of them and tried a few as well. In the end, I decided to go with FluentU. I am greatly satisfied with their offer. In this post, I am going to explain how I am using FluentU to learn Mandarin. Since they have several languages, you can also use it, in the same way, to learn German for instance.
Continue reading “Quickly learn Mandarin Chinese online with FluentU”
I cannot believe it has already been one year since I started blogging. On October 10th 2017, I wrote the first blog post of The Poor Swiss. I have learned a lot of about personal finance in that year. And I have also learned a lot about blogging. Even though this was not my first blog, I still had a lot to learn. And I still have a lot more to learn now!
In this post, I am going to talk about my first year of blogging. If I say this year, it will the year of blogging, it will not be 2018 ;)
Recently, I have talked about the reasons why I am blogging. Now, I am going to share numbers about how the blog is doing. I am also going to share the things I did right and the things that did not go well. However, I still have a lot of work to do to improve this blog. I am hoping that it gets better over time.
Continue reading “One year blog anniversary! Lessons and next steps”
From a personal point of view, August 2018 was a great month. We had our wedding ceremony with friends and family. Also, we went on honeymoon in Egypt. We really had a great time. We rested, swam, snorkeled and had a lot of fun. This was an awesome honeymoon :)
However, from a finance point of view, August 2018 was not a very good month. We spent a lot for our wedding and I had to take days off without pay. This means a very small savings rate. Fortunately, there was some extra income from the wedding and from the Swiss army. This helped us not being in negative this month. But at least, there was some savings ;)
Continue reading “August 2018 – Wedding and honeymoon”
This year, I wanted to review my goals after 6 months. But I am really late ;) At first, I forgot about it. And then, there were too many posts I wanted to write so I delayed this review for too long.
Last year, I set goals for the year 2018. Setting goals is a very important thing. But it is also important to review them. If after six months the goals are going bad, it is important to take actions to improve the chances to meet the goals. Also, sometimes, the goals are not set correctly.
Continue reading “Mid Year Review of my 2018 goals”
After a disappointing June 2018 month, we managed to get back up to speed in July 2018. We had some strong savings this month. Nothing extraordinary, but pretty good still. We were able to increase our net worth significantly.
Since today is Swiss national day, Happy National Day to all my Swiss readers.
We went to Orléans one week this month. I also spent one week in the army. It was my last five days to serve in the army! Other than that, nothing special happened. It was a good month overall. Let’s go into the details now :)
Continue reading “July 2018 – Getting back up to speed”
Each month, I am following the same personal finance routine for my budget. You can see most of the results in my monthly finance reports. In this post, I am going to describe the steps I am doing every month.
I think it is great to have a routine. This helps to get more efficient and like this, you do not forget to do everything. You do not need to have the same steps as me of course. Every people can have different things to do based on the way they are investing or based on their situation.
Continue reading “My monthly personal finance routine – 11 things I do each month”