How to save more money?
If you want to get wealthy, you will need to spend less than you earn. Saving more can be done by optimizing your budget, cutting down your recurring bills, or doing some things yourself!
I have talked about car costs a few times already on this blog. However, I have never written about Mobility.
Mobility is a Swiss car-sharing cooperative. Mobility has a large fleet of cars in Switzerland. Mobility users can then use these cars when they need them and do not need to own a car.
Is Mobility actually cheaper than owning your car? Let’s find out!
Continue reading “When is Mobility cheaper than owning a car?”
Daycare is a large portion of the budget for many people in Switzerland. Indeed, daycare can become quite expensive quickly, especially if you have several children.
So far, we have not put our son in daycare, but we think we may do it next year. So, I wanted to delve into the costs of daycare in Switzerland.
I only talk about daycare facilities, not about day moms, nannies, or other ways to ensure people are taking care of your child. I may speak of these in another article if people are interested.
UBS is likely the most famous Swiss bank. Even many foreigners know this big bank. And it is also the biggest bank in Switzerland by market capitalization. UBS operates in many countries, not only Switzerland.
But, is it any good as a banking service? I will answer this exact question in this review.
I will look into the bank services of UBS in detail and see the advantages and disadvantages of this bank.
By the end of the article, you will know whether you should use a UBS bank account.
I have talked about many types of insurances so far. But I have not yet talked about legal protection insurance. This insurance is less known than the others because it is not mandatory. So not many people are using it, and many people are wondering whether they should take one or not.
So, this article will cover in detail the legal protection insurance in Switzerland and whether we should or not take one.
Continue reading “Should you get legal protection insurance in 2022?”
Living in Switzerland is expensive. There is no point denying that. However, it is not as expensive as many people think. There are many ways to save money each month on your budget in Switzerland.
People pay too much each month for most of their bills in Switzerland. It is because many people do not know they can pay less. Many people simply assume that they need to pay this amount and never try to optimize their budget.
Some households are also content with saving a tiny portion of their salary and not trying to save more. Finally, some people are simply falling into the trap of lifestyle inflation (very easy in Switzerland!). As long as their salary increases, they do not care too much about how their expenses increases!
But I believe people should always try to spend less when they can. When you can get the same quality for half the price, I do not see why you should pay more!
So in this article, we will look at 12 ways you can save money each month. The idea is to focus on recurring expenses to have savings for the long term.
Continue reading “12 Simple Ways to Save Money Each Month in Switzerland”
In the personal finance community, many people use the concept of Time Value of Money (TVM) to think about money. This concept helps you think about the value of money if it were invested.
I think it is an interesting concept worth talking about. However, we should be careful about using this concept because it leads some people to think too much about their expenses and understanding.
So, let’s see what the time value of money is and what we can do with it.
We recently became the parents of a cute son. Before he was born and in the first few months of his life, we had to purchase and prepare many things. We tried to avoid spending too much while still buying everything we needed for him.
Overall, we did a good job at keeping these expenses reasonable. And we also learned some things later on.
Overall, there are many things you can do to spend less for your newborn while not changing anything to his quality of life. In this article, I share our tips on how to save money with your newborn.
Continue reading “7 Tips to save money with your newborn in 2022”
Credit Cards are an important part of your personal finances. They are tools that you need to use to your advantage.
The problem is that it is easy to misuse credit cards. You need to have a good credit card strategy to take full advantage of credit cards.
Continue reading “The Best 2022 Credit Card Strategy: No Fees and Maximum Returns”
Wise (formerly TransferWise) is a British financial technology company. They provide many financial services, but they are especially known for their very affordable currency exchange services.
You can use Wise to send money to other people in many different currencies, with excellent prices. You can also use your Wise card to pay abroad at a low cost. But you can also use it as a bank account and hold many currencies in your account.
But how good is it really? Should you use Wise? Let’s find out the advantages and disadvantages of Wise.
Raiffeisen is the third largest bank in Switzerland. Many people are using it, and many customers are even shareholders of the banks.
This bank has some unique characteristics that could make it interesting. For instance, you can become a shareholder of the bank! So, should you use Raiffeisen as your bank?
This is what this article is all about. I will do a deep review of the Raiffeisen bank, its banking features, its fees, and its pros and cons. By the end of the article, you will know whether you should use Raiffeisen or not.
Continue reading “Raiffeisen Bank Review 2022 – Pros & Cons”
