TCS Travel Mastercard Gold Credit Card with 1% cashback!

In Save

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.

Continue reading “TCS Travel Mastercard Gold Credit Card with 1% cashback!”

How To Build a DIY Bookshelf for 65$

In Save

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.

Continue reading “How To Build a DIY Bookshelf for 65$”

We Got Married! Our Wedding in Switzerland

In Save, 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.

Continue reading “We Got Married! Our Wedding in Switzerland”

My 7 Biggest Budgeting Mistakes – How to fix them!

In Save

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!

Continue reading “My 7 Biggest Budgeting Mistakes – How to fix them!”

Reasons to Start a Vegetable Garden

In Save

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!

Continue reading “Reasons to Start a Vegetable Garden”

I Will Teach You To Be Rich – Book Review

In Investing, Save

I just finished reading I Will Teach You To Be Rich, by Ramit Sethi. This book will give you a lot of advice on how to improve your finances. It may not make you a millionaire. But it is a great book, full of helpful recommendations on how to improve your finances!

This book has been great to read. It is one of the best from the personal finance books I have read so far. Like the last book I read, I have been able to buy it for a few dollars on Kindle. If you want to be lucky, look at my techniques to find cheap Kindle ebooks. It is nice and light to read. It is not too dense and still contains quite a lot of information.

Continue reading “I Will Teach You To Be Rich – Book Review”

You Need a Budget – How to Budget

In Save

Everybody manages its budget in its way. There is no one single way of doing it. But everybody needs to track their expenses. It is essential. There are many reasons why it is essential.

You need to know how much you are spending. Then you need to know how much you still have at the end of the month. Seeing your entire monthly budget will help you a lot to manage your spending.

In this post, I am going to go over the reasons why you need a budget. I am also going to talk about the way I am managing my own. It is only one of them, but if it works for me, it may work for you!

Continue reading “You Need a Budget – How to Budget”

Goals for 2018 – Reaching for FI

In Investing, Save

For the first year in my life, I am gonna try to set clear goals for this year! I have set up a nice spreadsheet for my goals for this year (credits to retirebyforty for the spreadsheets idea):

My 2018 Goals

I have tried to not set goals that are too high but still strive for better than this year. Since it is the first year I am setting goals like this, I do not want to be over-optimistic. This is my first attempt at setting yearly goals, so maybe I will add new goals during the year, but I will not remove any goal nor downsize any goal.

Continue reading “Goals for 2018 – Reaching for FI”