What is the best credit card in Switzerland ?

Posted on Categories Frugality, Spending, Switzerland, Tips9 Comments on What is the best credit card in Switzerland ?

This month I had to use my credit card a lot. We paid for our honeymoon in full in advance. I also had to advance money to my company for a trip that they will reimburse later. Also, we purchased many things online. Finally, we pay all our groceries with credit card. To make sure I could pay for our wedding lunch, I even had to increase my limit to 5000 CHF.

Once I realized how much I was using this credit card, I started to wonder if my card was the best available for me. Also, I read a lot of stories of people getting a lot of flights and hotels for free using credit cards. I wanted to know if this was possible for me too. Let’s explore the different options that are available in Switzerland.

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My 7 biggest budgeting mistakes – How I fixed them

Posted on Categories Budget, Frugality, Spending, Tips7 Comments on My 7 biggest budgeting mistakes – How I fixed them

Over the years, I’ve made many budgeting mistakes. In this post, I’ll try to list a few of the big mistakes I’ve made. I’m talking here about mistakes in the way I did my budget. And also 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 better off if I had known this a few years ago.

Find out how I fixed my budgeting mistakes. I’ve 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 😉

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Why (and how) I went paperless

Posted on Categories FIRE, Frugality, Goals, Minimalism, Tips2 Comments on Why (and how) I went paperless

Last year, I decided to go paperless with my administrative documents. It was a long work, but now I’m done. All my documents are available as electronic documents now. I’ve been able to throw away five big document binders.

I’ve used my phone as scanner and uploaded all my documents to the cloud. Find out how I became paperless for free in this post.

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7 tips to find cheaper Kindle ebooks

Posted on Categories Budget, Frugality, Spending, Tips5 Comments on 7 tips to find cheaper Kindle ebooks

I bought my Amazon Kindle more than 6 years ago. First I bought the original Kindle. A few years later, I bought the Kindle Paperwhite. I’ve been very happy with both. It’s such a fantastic thing to travel with all my ebooks in my pocket and not have five, or more, heavy books in my luggage.

Over the years, I bought and read over 120 books on my Kindle. At the time, I was thinking it was very cheap. And indeed, I was saving money compared to print books. I realize now that this may not have been the case.

For frugal people, there is one big issue with Kindle books: You can’t buy used books. In the last two years, I almost haven’t bought any Kindle ebook. Instead, I bought many used books. There is a second-hand shop, near my current job. I probably bought over 40 books in this time. I bought them for less than 2 CHF on average. And I only bought books in very good state. The problem is the room they take! My bookshelf is full and books are piling up! I’m going to build a new one. But after some time, the new one will be full too. The other problem is traveling. If I need several books, it’s a pain to carry them.

I’ve been looking for ways to find cheap Kindle books. Here are 7 tricks to find really cheap ebooks for Kindle.

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Redesign of the blog and Pinterest

Posted on Categories Blogging, Tips6 Comments on Redesign of the blog and Pinterest

You may have noticed that I did some changes to the design of the blog. There is now more room for the content itself. And the content is the most important part there is, right ? I also created a Pinterest account and added nice images to all the posts! I’m going to share every post on Pinterest from now on. I didn’t know this sharing network before. But it seems it’s all the hyper right now.

I hope these new changes will improve the experience of my readers on this blog. If you have any more suggestion on improvements, please let me know 🙂

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How to see total result on the mobile Degiro application

Posted on Categories Broker, Tips2 Comments on How to see total result on the mobile Degiro application

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. The application is only able to display the daily result of each position of your portfolio. Personally, I don’t really care about daily variations of my portfolio. I’m much more interested in the total results of my portfolio.

I just found out it was in fact possible to see this information on the DEGIRO mobile application. It is just not really intuitive. Or maybe, it’s just me. 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!

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How I saved 10 CHF by changing my mobile plan

Posted on Categories Frugality, Spending, Tips2 Comments on How I saved 10 CHF by changing my mobile plan

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 started searching, 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. Moreover, I don’t use my phone a lot. To be honest, I don’t really like smart phones. Even though they are sometimes practical, they are mostly a burden and are destroying social life for a lot of people.

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Save 53CHF per month by asking for a reduction of rent!

Posted on Categories Budget, Frugality, Spending, Tips3 Comments on Save 53CHF per month by asking for a reduction of rent!

I just got confirmation from my building manager that they accepted the reduction of rent that I asked for. Although I’m quite satisfied by the answer, they have been incredibly slow in answering me. 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. And I’ll save even more the following year since all months will be lower 🙂

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