In my review of Degiro, I mentioned that something I really didn’t like was that it was not possible to see the total result of the position in the mobile application. Only the daily result.
I just found out it was in fact possible to see this information on the mobile application. It is just not really intuitive. But once you know it, it’s really easy to use. Since it was not easy for me to find it, I’m going to post my findings for all of you!
Continue reading “How to see total result on the mobile Degiro application”
After saving on my car insurance and reducing my rent, I decided to see if I could save money on my phone plan. Before I already had a very cheap mobile plan for my mobile phone. I was using M-Budget Maxi One with 2GB of data per month for 29 CHF per month. This is pretty cheap as Switzerland goes. However, I’m very rarely using mobile data on my phone. I’ve got WiFi at work, WiFi at home and WiFi at the gym. Some restaurants are also starting to have WiFi. But this is not a lot in Switzerland, compared to countries like China and the United States.
So I decided to switch to the M-Budget Mini One plan with 600 MB of data per month for 19 CHF per month. This will save me 10 CHF per month (120 CHF per year). It’s not a big saving but it’s a correct one and an easy one. I’ll have to be a bit careful about using my phone when going out, but it should be fine. Since there are no delays, I can also switch back to Maxi One if I cannot keep below the limit. But this should be fine. This month, I’ve use less than 60 MB on my phone.
So, if you pay a lot for your phone plan, be sure to check if there are no alternatives that could be more frugal and try to save some money! Even if your mobile plan is a small part of your budget, you should still pay only for what you need!
What about you ? How are you saving money ? Do you have a better option for mobile plan ?
I just got confirmation from my building manager that they accepted the reduction of rent that I asked for. They answered more than two months after my request… My base rent goes from 1175 to 1122. This will only start at the next term of my lease, on April 1st. But this means that next year, I’ll save 53 CHF * 9 = 477 CHF.
In Switzerland, rent prices are indexed on a reference interest rate. When the interest rate goes down, you can ask for a reduction of your rent. Unfortunately, this is not an automatic process. You have to ask yourself to your house owner or building managers. On the other hand, you can be sure that if the interest rate rises, it will be an “automatic” process… Switzerland is very good to the rich. It makes it easier for them to stay richer 😉
Don’t forget to check if the interest rate decreased since you signed your lease. If you haven’t asked for a reduction in many years, this could be a large reduction! There are lots of models online for this, such as the calculator from ASLOCA or the one from Comparis.ch. You should really not hesitate doing this, it’s in your rights. They cannot refuse to reduce the rent, it’s in the law. The only reason they would have to refuse would be if they had made improvements to your apartment that would raise its value.
You can find the most recent reference interest rate on the admin.ch website (in French/German/Italian).
Overall, I’m still quite happy, this is more than 50 CHF per month saved next year! The rent is often the biggest item in a budget. At least, it is the case in my budget. Therefore, it can be very interesting to reduce it. But, it’s not always possible. If the reference index rate decreases, it is a nice opportunity to cut this large expense!
What about you ? Do you have any saving tip ? Did you find a way to save on your rent ?
I decided to check all my recurring expenses and see if I could save something on at least some of them. Turns out I can! I was able to change my car insurance to save over 350 CHF per year on it.
Continue reading “How to save over 350CHF on car insurance”