Emergency Fund – Do you really need one ?

Posted on Categories Budget, FIRE, Frugality, Investment, Tips4 Comments on Emergency Fund – Do you really need one ?

If you are interested in personal finance, you should probably have come across the term Emergency Fund. An emergency fund is simply some money, available directly, that you can use in case of emergency. Most people will advise you to get an emergency fund. And they will insist heavily on this subject.

It is an interesting subject since not everybody agrees on it. Some people have an emergency fund that can cover one year of expenses. And some people think you do not need one. Personally, I do not think an emergency fund is a bad thing. But you should be aware of its cost. It also has disadvantages. And you may not need an emergency fund as big as some people tell you. I think that too much people put too much emphasis on the emergency fund. In this post, we are going to see both sides of the story. We are going to see in details what an emergency fund is.

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My Employee Stock Purchase Plan (ESPP) and Strategy

Posted on Categories Investment, Tips4 Comments on My Employee Stock Purchase Plan (ESPP) and Strategy

My new job at Pied Piper is offering my an Employee Stock Purchase Plan (ESPP). This is the first time I am working for a company that offers such a plan. As such, I have been researching my options for how to handle this ESPP. Basically, an ESPP is a plan to use some of your income to get shares of your company at discount price.

In this post, I am going to present my ESPP plan. I am also going to present many strategies that exist to decide when to sell shares coming from an ESPP. Finally, I am going to present the strategy I decided to use for my ESPP shares.

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How to sell things online in Switzerland ?

Posted on Categories Frugality, Minimalism, Side Hustle, Switzerland, Tips3 Comments on How to sell things online in Switzerland ?

Recently, I did some ordering in my technology closet (yes, I am the kind of guy that has a technology closet…). And I realized that I had way too many things stored at home. I also realized that I had way too many servers. So I decided to sell online a few things. I also decided I was being crazy and started to dismount two of my servers to sell the pieces.

I am mostly using online websites to sell things. To be honest, I am far from being a minimalist. This is easily seen by my technology that is still too full after this first purge. But I am trying to reduce a bit the amount of burden I own. And if I can get some money in the process, it is bonus ;)

In this post, I am going to talk about what am I selling online in Switzerland. And how am I selling them!

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Revolut Credit Card – No more foreign exchange fees!

Posted on Categories Frugality, Spending, Tips14 Comments on Revolut Credit Card – No more foreign exchange fees!

Yes, yet another post about credit card :) This one is going to be about the Revolut credit card.

Three weeks ago, I tried to find the best credit card in Switzerland. And last week, I studied another credit card, the TCS Travel Mastercard Gold, with 1% cash back. At this point, I found out that foreign exchange fees were costing me more than the annual fee on the card.

In my first review of my options for Switzerland, I already took a look at Revolut. They offer prepaid credit cards with free foreign exchange transactions! I didn’t want to consider it because there were a few problems. In this post, I’m going to come back to these problems. I finally decided to order a Revolut credit card! And I found out a process to top up a Revolut card for free in Switzerland!

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How to transfer a WordPress blog from Bluehost to SiteGround

Posted on Categories Blogging, Spending, TipsLeave a comment on How to transfer a WordPress blog from Bluehost to SiteGround

After all the problems I had with Bluehost, I decided to migrate my blog from Bluehost to SiteGround. I still have some months of hosting at Bluehost. But I do not want to deal with them anymore. I am sure they capable of messing up again during that time. Thus, I decided to do the transfer as soon as possible. As you read this post now, the website is now hosted at SiteGround.

It took me a bit longer than I thought for the transfer. And I did not have as much time as I needed. So I am a bit late on my blogging schedule. In this post, I am going to show how I did the transfer to SiteGround. I hope this will help realize that it is quite easy to do the transfer. And I hope I can convince you that Bluehost is not a good host.

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TCS Travel Mastercard Gold credit card – 1% cashback!

Posted on Categories Frugality, Spending, Switzerland, Tips4 Comments on TCS Travel Mastercard Gold credit card – 14 cashback!

A few weeks ago, I compared the credit cards in Switzerland. I came to the conclusion that for me, the best credit card would be to use Cumulus Mastercard. Since then, I ordered the card, but I haven’t received it yet. I’m also waiting on Revolut to finally get a Swiss IBAN so that I can top it up for free.

However, there is a card I haven’t considered in my first comparison. The Touring Club Suisse (TCS) is offering two credit cards for its members. The first one is the TCS Member MasterCard. This is not really interesting since it does not have any cashback, but it’s free. What is more interesting is the TCS Travel MasterCard Gold. This  card will cost you 100 CHF per year, although it’s free on its first year. But they will give you 1% cashback. In this post, I’m going to look at this card in details.

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Why I will never recommend Bluehost again!

Posted on Categories Blogging, Spending, Tips10 Comments on Why I will never recommend Bluehost again!

As you may have seen, my blogs was pretty much not working between last Thursday and Saturday. I had many issues with Bluehost and it took them an unreasonable amount of time to fix the issue. I already had issues before and this last one was a really bad outage. So, I decided I will never trust them again. Since I don’t trust them as hosting provider, I’m not going to recommend them anymore.

I’ve only started using Bluehost a few months ago. But I have had several issues in these months. And these last issues with the website being down for more than a day. They are really doing a bad job… I plan to migrate to another hosting provider soon. In this post, you’ll find the story behind this!

I’m going to start with a question: How many Bluehost support guys do you need to fix a SSL certificate ? You’ll find the answer below ;)

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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 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 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 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 ;)

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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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