March 2021 was not a very special month. We could see some friends and family, which is always good. But of course, everything has to be done in small groups, so we do more invitations than usual.
But there was no significant event during this month. It was a good month, though.
Financially, March is always the month I receive my bonus. So this adds a lot to the income. And it is generally the best month of the year in terms of savings rate. This month, we managed to save 78% of our income.
Continue reading “March 2021 – Splurging the bonus”
Overall, February 2021 was not very eventful. We had some dinners with friends in small groups. Other than that, we did some walks around the wife and me. But nothing special.
Financially, we had to pay some extra taxes related to the withdrawal of our pension money for the house. And we had a few extra other large expenses this month.
In this article, you will find all that happened to us and our money in February 2021.
Continue reading “February 2021 – More and more taxes”
We are finally done with 2020! However, 2021 did not change much so far. We are still full in COVID-madness. However, one thing changed significantly. We are now living in our new house. And this changes things a lot for us! For the better!
We have settled very well into our new house. And it is much better to have nothing to do in a great house than in a small apartment.
Financially, it was also a good month! We had to buy a few more things for the house. And we blew our groceries budget with some invitations. But, we had no large expenses and managed to save more than 60% of our income!
In this article, you will find all that happened to us and our money in January 2021.
Continue reading “January 2021 – Starting the new year in force”
December 2020 and 2020 is now behind us! And what a weird year it was. But I will reflect on this year later. Now, we can reflect on December 2020! I hope you all had a good time despite the weirdness that is going on.
In December 2020, we finally moved to our new house! This was definitely the main event of the month. And to be honest, it dwarfs the financial aspects of the month.
Our move was quite successful. We managed to get most of the moving, mounting, and unpacking in three days. We still had smaller things to do after that, but it was an efficient move.
On the money side, it was an expensive month, like every December. However, our income was good and our ordinary expenses this month were very low. So, we still ended up saving 45% of our income in December 2020!
Continue reading “December 2020 – Moving to the new house”
November 2020 is over, and it was another of these 2020 months. Nothing much happened during this month because we could not see many people and several things were canceled.
At least, we are both healthy. And this was the last month before we move to the new house. We are really looking forward to that. This will keep us occupied! And this will keep our mind off this boring virus.
We still had to buy quite a few things this month for the new house. But we now have everything we need except for the summer things. We spent much more than I anticipated.
So, let’s see what happened to us in November 2020 and the state of our finances.
Continue reading “November 2020 – An uneventful yet expensive month”
October 2020 was a weird month. The month started well with a return to almost normal in Switzerland. And we had found a new tenant for our apartment. But then, with the cold weather came a new big wave of COVID cases in Switzerland.
With this second wave, one of my family members found out he was infected a few days after we saw him. So, we had to do a 10-day quarantine again, and we actually were both infected as well. And we missed a few important social events that were planned. And the next tenant decided not to go further, so we had to start looking again.
So, it was not a great month overall.
Let’s find in detail what happened to us in October 2020.
Continue reading “October 2020 – More COVID and quarantine”
It is time for my update for September 2020. It was a quiet month for us. But it was not quiet for our finances.
We continued to shop for furniture for the new house. We once again spent a lot of money on that category this month. And we also several smaller expenses that added up to our budget.
We still managed to save money this month. But we did not save nearly as much as we usually try to save.
Continue reading “September 2020 – More furniture!”
It is time for my monthly update for August 2020 already! Quite a few things happened in this month. We went for a short vacation in Davos. And we started buying some furniture for the house.
On top of that, we had many smaller expenses that quickly piled up. So, this month ended up very expensive.
While it was an expensive month, it was still a good month. We had several parties with friends, and the vacation was really good.
Continue reading “August 2020 – Vacations and Furnitures”
We have now crossed into the second part of 2020. July 2020 went fast very quickly on our side. Life in Switzerland is starting to get back to normal for most things.
The most significant event that happened to us this month is that we signed the contract for buying a house! We finally found a house that we liked, and we were able to get it! We are delighted with that.
Continue reading “July 2020 – We are buying a house!”
It is time for another monthly update! June 2020 flew by us! Like last month, we had to pay a ton of taxes. I did not pay enough taxes last year, so this year is very high.
Fortunately, we had less to pay this month than in May. So, we still managed to save a little amount of money. It is better than last month, where our savings rate was zero.
Continue reading “June 2020 – Another month deep in taxes!”