December 2019 – Quiet month

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I cannot believe that 2019 is already over! It flew by us! December 2019 was no exception. It went by really fast. And before I forget, Happy New Year to you all!

This article will be the last monthly update for 2019! December 2019 was a quiet month for us. As it is usual at this time of the year, we had many parties with friends and families. But nothing out of the ordinary happened this month (which is good!).

From a financial point of view, it was a good month. We had a few unexpected expenses, but nothing catastrophic. We managed to save 57% of our income this month.

Let’s see in detail what happened to use in December 2019.

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November 2019 – Flights to China

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In November 2019, we did very few special things. It was a quiet month. But it was still a good month. And it was a great month for our finances.

I spent a few days in Berlin for work for a conference. It was a good conference. Since it was paid by my company, it did not make big differences in our budget.

We still spent more than 5000 CHF this month. But we managed to save more than 50% of our income anyway. So this is not a bad month!

So, let’s see what happened to us during the month of November 2019.

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October 2019 – Holidays

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October 2019 started with our vacations in Barcelona. We spent six great days in this lovely city. It was a perfect trip!

Of course, with the vacation, our budget suffered a bit. But we still managed to save a substantial portion of our income. So, I am not going to complain, this time!

Even though we spent more than 5000 CHF this month, we still saved more than 50% of our income. I am getting happy about the state of our finances. And our goals are also going great!

So, let’s see everything that happened to us and our finances during this month.

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September 2019 – Holidays and Dentist bills

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September 2019 was not a very special month for us. The only thing of mention was that I spent about ten days in the United States for work. Aside from this, it was a quiet and good month. We saw our friends and families several times. So it was a good month!

However, our finances were not quiet at all! We had to pay big dentist bills. I also started the gym again. It seems like it was the wrong time to do that. And we spent some money on vacation next month. It also seems like it was not the best time to do that.

We still managed to save a nice portion of our income. But since my salary is now higher, we should definitely have saved more than that!

So, let’s see everything that happened to us and our finances during this month.

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August 2019 – Another expensive month

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August 2019 was a good month for us. We had several parties with friends and families. And we celebrated August 1st, Switzerland national day. And I got promoted at work! So, pretty good month overall!

However, we spent too much once again in August 2019. I did not account correctly for several dentist bills. It should be exceptional bills that we will not have in other months. But we should still account better for them.

However, we still saved a significant portion of our income this month. And our net worth increased significantly. So, it is pretty good all together!

In this post, I will go over what happened to us during August 2019.

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July 2019 – New computer

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July 2019 was a very simple month for us. Not a lot of things happened. It was a good month from our point of view. We did not do much but we had several outings with our friends and family!

From a financial point of view. There were many unexpected expenses. However, there was also some extra income this month. Put together, it makes higher savings than usual.

Finally, July 2019 was a good month. However, I could not help to think that it could have been a great month! We had too many unexpected expenses that reduced significantly our savings rate. If we did not have the extra income from my company, this would have been a poor month.

In this post, you will find all that happened to us during July 2019!

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June 2019 – Holidays, Taxes and Insurances!

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After a  very cheap month of May, June 2019 comes back with a very expensive month. This is often the case in June since this is the middle of the year and this is when I pay some of the bills. But this month is worse than usual.

From a financial point of view, this is the worst month in the last 16 months. I would not have thought we could come back to this level. But this is proof that I do not plan my spending very well. I knew it would be bad since several bills were planned. But I underestimated some of them.

On the other hand, we had a nice holiday in the Swiss mountains. And another nice family weekend in Jura. So, from a personal point of view, it was a good month.

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May 2019 – Finally a cheaper month!

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May 2019 was not a very special month. Which is good as long as I am concerned. But after the previous months that were a bit too expensive to my taste, May was finally a cheaper month!

We managed to save more than 50% of our income during the month. This is really great! We managed to keep our expenses below 4000 CHF which is awesome for us. Generally, our expenses are much higher than that!

On the other hand, the stock market went down this month. Our net worth still increased a bit, but as much as such a good month would normally increase it.

In this post, I am going to share all the details about May 2019. The goal of our monthly incomes is to be as transparent as possible. I feel like we owe that to our readers. Moreover, it also makes us more accountable for our personal finances.

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April 2019 – More French and More Ski

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April 2019 has been a very similar month to March 2019. We went skiing again. Mrs. The Poor Swiss is really getting better and better at skiing. She is now able to get down each blue slope without issue. We were lucky to ski with a Ski Instructor from my family and he helped her a lot during these two days. It was a nice change of pace.

We spent a bit more than I would have wanted this month. However, since it is a month where we do not have to pay taxes, we still ended up with a savings rate of more than 55%! This is really great! And hopefully next month, we will be able to spend less money. However, next month, we will have to pay taxes again.

I am going to go over the details of the month of April 2091 in this post. The goal of our monthly updates is to share all our progress with all our readers. I believe that personal finance blogs should be as transparent as possible.

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March 2019 – Bonus and French Courses

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March 2019 was a good month. We went skiing for two days with Mrs. The Poor Swiss. Her ski lessons are going good. Other than that, we did not have any big event. From a financial point of view, it was a very good month as well. I received my bonus. This makes a large increase in our net worth. This is the first time I receive a bonus. I was more used to the thirteenth salary that is more the usage in Switzerland.

Because of the bonus, we were able to save a lot of money this month. Unfortunately, we spent more than I would have wanted. Our goal is to spend less than 5000 CHF a month. We spent a bit too much on food this month. Mrs. The Poor Swiss also started a French course, which adds to the budget. But that is something that is not to be regretted!

This post will tell you everything that happened to us and the blog in March 2019.

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