We Got Married! Our Wedding in Switzerland

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We got married! Last Friday (18.05.2018) Mr and Mrs the Poor Swiss got married! It was a really nice and simple 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 really special. But it could help some readers if they do not know how it works here.

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My 7 Biggest Budgeting Mistakes – How to fix them!

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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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Reasons to Start a Vegetable Garden

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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!

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Why and How to become paperless in 2019?

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I think a lot of people will agree that having lots of paper documents at home is a hassle. Who would not want to get rid of all this for a better solution? In 2017, I decided to become paperless with my administrative documents. It was a long work. But now I am finally done. All my documents are available as electronic documents now. I have been able to throw away five big document binders.

I have used my phone as a scanner and uploaded all my documents to the cloud. Now my documents are accessible from anywhere. And they are safely stored in the cloud. Find out how I became paperless for free in this post.

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I Will Teach You To Be Rich – Book Review

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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. One of the best read 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 really nice and light to read. It is not too dense and still contains quite a lot of information.

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How To Buy the VT ETF on DEGIRO

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Update: DEGIRO stopped offering the American ETFs. This guide is still working to buy any other ETF. If you want to buy VT, you will have to use another broker such as Interactive Brokers.

In this post, we are going to see how to buy an Exchange Traded Fund (ETF) on DEGIRO. Vanguard Total World (VT) is the main part of my new portfolio. So I am going to use VT as an example. The process is exactly the same for any ETF you want to buy.

I decided to use DEGIRO after comparing with several other brokers. The main advantage of DEGIRO is its very low fees. You can read my full review of DEGIRO if you want more information. This post assumes you already have an account with DEGIRO. If not, you can open one account very quickly.

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My 9 Biggest Investing Mistakes – How to Avoid Them!

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Everybody will do some mistakes in his life. There is no way around it. Over the years, I made many investing mistakes. One thing is very important with mistakes is that you learn from them. Not only should you not repeat your mistakes, but you should also improve your knowledge after you have made this mistake. You need to understand why this was a mistake and how to not do it again.

It is very important to learn from your mistakes. And it is also very important to recognize your mistakes. There is no value in thinking you cannot make mistakes. And there is no value in ignoring them. I am not very proud of my investing mistakes. But it is better to talk about them than ignore them! And people can learn a lot from the mistakes of other people.

In this post, I will talk about my 9 biggest investing mistakes and what I could have done better. It is also the story of how I got into investing early and left very early. And finally started investing again way too late!

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My Investor Policy Statement – You Need One Too!

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We can all agree that having a clearly defined strategy is very good for your investing and your personal finances. It is very important to have goals and a long-term vision.

An Investor Policy Statement (IPS) is a tool helping you do just that. It is a way of writing down why and how you are investing. Your IPS helps you have a clear view of why you are investing and how you should invest to attain your goals.

It has been a long time now since I wanted to write my Investor Policy Statement (IPS). I just took some time over the last week to write it down completely. It took me about two hours. It was a really good exercise for me.

In this post, I am going to give you my own IPS and explain exactly the goals of an IPS. Each IPS will be different because each investor is different. You can follow my own example in order to start your own. But you still need to think about each point and adapt it for your own needs.

Stay tuned to learn about my Investor Policy Statement!

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The Millionaire Next Door – Book Review

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The Millionaire Next Door: The Surprising Secrets of America’s Wealthy, is a book by Thomas J. Stanley and William D. Danko. This book is a study of millionaire households in the United States. In this post, you will find out exactly what this book is about and what I thought about it. I was lucky to find it very cheap on Kindle.

This book is one of the best personal finance books I have read. The authors have really gone into a lot of effort to collect all the data from millionaires. And they have drawn some very interesting conclusions from this data.

I am still reading many new personal finance books. And so far, it has been a great ride. There are some really great books about personal finance, investing and frugality. It is just a bit sad that most of these books are missing any international content. They are really made for the United States. However, a lot of their lessons can still be translated into Europe.

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New ETF Portfolio – Simplicity is Key!

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A few months ago, I updated my portfolio to add more bonds and more dividend yielding stocks. Since then, I had a lot of discussions on this portfolio. I discussed it on the comments on this blog. I also discussed it on the bogleheads forum. Since these discussions, I have given a lot of thoughts on my portfolio. I realized there were several issues with the portfolio. I am going to discuss these issues here and present the new portfolio on which I have settled on. The biggest issue was the complexity of the portfolio.

I am going to start with the decisions that I made about my portfolio and the reasoning behind them. If you want to checkout the new portfolio, simply jump to it ;)

First a few acronyms:

  • Exchange Traded Fund (ETF): A fund that is traded like a stock
  • Total Expense Ratio (TER): The amount of yearly fees in a fund

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