Tag Archives: budget

(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) Credit Cards are an important part of your personal finances. They are tools that you need to use to your advantage. The problem is that it is easy to misuse credit cards. You need to have a good credit card strategy to take full advantage of credit cards. Since I have started improving my personal finances, I have optimized a lot my usage of credit cards. I have reduced the annual fee of my credit cards...

(Disclosure: Some of the links below may be affiliate links) Credit Cards are an important part of your personal finances. They are tools that you need to use to your advantage.The problem is that it is easy to misuse credit cards. You need to have a good credit card strategy to take full advantage of credit cards.Since I have started improving my personal finances, I have optimized a lot my usage of credit cards. I have reduced the annual fee of my credit cards to zero. I have now reduced...

Living in Switzerland is expensive. There is no point denying that. However, it is not as expensive as many people think. There are many ways to save money each month on your budget in Switzerland. People pay too much each month for most of their bills in Switzerland. For many people, it is because they do not know they can pay less. Many people simply assume that they need to pay this amount and never try to optimize their budget. Some households are also content...

(Disclosure: Some of the links below may be affiliate links) Living in Switzerland is expensive. There is no point denying that. However, it is not as expensive as many people think. There are many ways to save money each month on your budget in Switzerland.People pay too much each month for most of their bills in Switzerland. For many people, it is because they do not know they can pay less. Many people simply assume that they need to pay this amount and never try to optimize their...

(Disclosure: Some of the links below may be affiliate links) In the Personal Finance community, many people are advising everybody to automate as much as their personal finances as they can. I am not one of them. I do not automate anything in my personal finances. I do not like automation for my personal finances.I think it is a big mistake. Automating your personal finances is a lazy excuse for not being rigorous enough to manage them yourself. The worst is the “set it and forget it” advice...

(Disclosure: Some of the links below may be affiliate links) It is time for a full expenses report for the entire year 2019. I am already doing an expense report every month. But having a yearly view helps put things in perspective.I think it is essential to do this. It shows that some expenses that you feel are small can quickly pile up. 400 CHF per month may not seem much, but this 4800 CHF per year! And this sounds like a lot of money!Another advantage of doing that is to clean up all your...

(Disclosure: Some of the links below may be affiliate links) I bought my Amazon Kindle more than six years ago. First, I purchased the original Kindle. A few years later, I bought the Kindle Paperwhite. I have been delighted with both. It is 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 well over 120 books on my Kindle. At the time, I thought it was very cheap. And indeed, I was saving...

(Disclosure: Some of the links below may be affiliate links) I think Swiss investors will agree that the biggest problem with Revolut was that they did not have a Swiss IBAN. Some good news just arrived for us!Revolut now includes a Swiss IBAN when you want to top it up! It means you can now top up your Revolut account for free directly from your bank account. It is great since that was missing from the start on the Revolut account.And probably even bigger news for Revolut: they got a...

TwitterFacebookPinterestLinkedin(Disclosure: Some of the links below may be affiliate links) For a lot of people, having a strict routine will help remember essential things. It is the case for me. I like routines. Each month, I am following the same personal finance routine for my budget. You can see most of the results in my monthly finance reports. In this post, I am going to describe the steps I am doing every month.I think it is great to have a routine. It helps you get more efficient,...