Personal Investment

(Disclosure: Some of the links below may be affiliate links) Update: Fully updated as of August 2020! Plans have become even cheaper than before!We can agree that everybody wants to pay as little as possible for their phone bills. Even though you may think your current phone plan is the cheapest available, there could be new deals since you started using your plan. It is always essential to keep up to date with the latest offers.The Swiss Phone plan market is quite diverse these days. Fifteen...

(Disclosure: Some of the links below may be affiliate links) Frankly is a third pillar account offered by Zurcher Kantonal Bank (ZKB). It is an interesting third pillar because it allows you to invest heavily in stocks. And on top of that, the fees are quite low.It is good to see that there are more and more alternatives for good third pillar accounts in Switzerland.So, let’s see what exactly is Frankly and how good it is!In this article, I am going to look at many things about Frankly: its...

(Disclosure: Some of the links below may be affiliate links) There are many ways to budget for personal households. And there is no such thing as the best way to budget that will work for everybody.Many people use many different ways to budget their life. As long as the way you choose works for you, it is enough. You just need to find the best way for yourself.I thought it would be interesting to go over the main ways to budget for your personal finances that exist. And I am also going to...

(Disclosure: Some of the links below may be affiliate links) There are many advantages to start investing early. However, many people do not start investing until late in their careers. If you start investing early, you will see many more benefits to investing.Investing is a long-term game. The average returns are good. But you will not see instant results. You could see a few bad years as well. If you do not give it time, you will not be able to reap all the benefits of investing.In this...

(Disclosure: Some of the links below may be affiliate links) We have now crossed into the second part of 2020. July 2020 went fast very quickly on our side. Life in Switzerland is starting to get back to normal for most things.The most significant event that happened to us this month is that we signed the contract for buying a house! We finally found a house that we liked, and we were able to get it! We are delighted with that.On top of that, we managed to save a large portion of our expenses...

(Disclosure: Some of the links below may be affiliate links) Since we have been looking at buying a house, I had to do a lot of research on mortgages. In Switzerland, mortgages are not as simple as they should be!So, in this post, I will share all there is to know about mortgages in Switzerland and how they work.Before you buy a real estate property, you must know this. You do not want to go to the bank without knowing first a few things. Otherwise, it could be easy for them to give you a bad...

(Disclosure: Some of the links below may be affiliate links) Robo-Advisors are a good way to invest when you do not want to invest directly through a broker. They will manage your money for a fee. While more expensive than DIY investing, Robo-Advisors are significantly cheaper than an advisor from a bank.True Wealth is a leading Robo-Advisor in Switzerland. They are the first  Robo-Advisor, started already seven years. And they are also the cheapest available in Switzerland.I have reviewed...

(Disclosure: Some of the links below may be affiliate links) We are currently in the process of buying a house. Since I shared this fact on the blog, I have been asked several times whether people should buy or rent in Switzerland.So, I wanted to share my thoughts on the buy or rent subject. I am going to go over the different considerations about buying and renting houses in Switzerland.While I am going to speak specifically about houses, most of it also applies to apartments. But since we...

(Disclosure: Some of the links below may be affiliate links) It is time for another installment in our Frugal Living in Switzerland series of interviews!And today, I was able to interview a non-blogger family for this series. And compared to the other interviewees, we now have a couple of expats that answered together.Mr. and Mrs. DoubleDutch are able to save a large portion of their income in Switzerland and live with a very reasonable amount of money!Let’s see how they achieve this!1. Tell...

(Disclosure: Some of the links below may be affiliate links) I have now been working from home for more than three months. And overall, I like it a lot! For me, there are many advantages to working from home when compared to going to the office.But, it takes some time and organization to get used to working from home. So, I wanted to share my experience with you in the hope that it will help some people with working from home.This year was my first experience working from home. So, I am no...