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Tag Archives: Save

What’s the Time Value of Money?

(Disclosure: Some of the links below may be affiliate links) In the personal finance community, many people use the concept of Time Value of Money (TVM) to think about money. This concept helps you think about the value of money if it were invested. I think it is an interesting concept worth talking about. However, we should be careful about using this concept because it leads some people to think too much about their expenses and understanding. So, let’s see what the time value of money is...

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7 Tips to save money with your newborn in 2021

(Disclosure: Some of the links below may be affiliate links) We recently became the parents of a cute son. Before he was born and in the first few months of his life, we had to purchase and prepare many things. We tried to avoid spending too much while still buying everything we needed for him. Overall, we did a good job at keeping these expenses reasonable. And we also learned some things later on. Overall, there are many things you can do to spend less for your newborn while not changing...

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Wise Review 2021 (formerly TransferWise)

(Disclosure: Some of the links below may be affiliate links) Wise (formerly TransferWise) is a British financial technology company. They provide many financial services, but they are especially known for their very affordable currency exchange services. You can use Wise to send money to other people in many different currencies, with excellent prices. You can also use your Wise card to pay abroad at a low cost. But you can also use it as a bank account and hold many currencies in your...

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Raiffeisen Bank Review 2021 – Pros & Cons

(Disclosure: Some of the links below may be affiliate links) Raiffeisen is the third largest bank in Switzerland. Many people are using it, and many customers are even shareholders of the banks. This bank has some unique characteristics that could make it interesting. For instance, you can become a shareholder of the bank! So, should you use Raiffeisen as your bank? This is what this article is all about. I will do a deep review of the Raiffeisen bank, its banking features, its fees, and...

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Yuh Review 2021: A new mobile banking service

(Disclosure: Some of the links below may be affiliate links) PostFinance and Swissquote just started a new joint venture: The Yuh banking application. With Yuh, you can save money on your account, pay in Switzerland and abroad and invest in the stock market and cryptocurrencies. Yuh is an entirely digital offer. They have no offices. You can manage all your money directly from your phone. So, you will pay your bills and invest your money on your smartphone. So, should you use Yuh? What...

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Yapeal Review 2021 – New Swiss Digital Bank

(Disclosure: Some of the links below may be affiliate links) Yapeal is a very recent digital bank that was introduced to the public in 2020. They are the first bank of Switzerland to have a Fintech banking license. Yapeal is advertised as the next generation of banking with many features and straightforward onboarding. They have a free tier, but several of their features are not free. In this review, we are going to see exactly what is Yapeal: its features, its price, its advantages and...

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Frugality is personal – Spend based on your needs

(Disclosure: Some of the links below may be affiliate links) These last few years, we have not spent a lot of money. Both me and Mrs. The Poor Swiss have been quite frugal. We try to spend less to grow our wealth faster. Every month we are sharing our level of expenses. But this is not to show that people should spend as we do. We do this to keep us accountable. There is no reason for everybody to spend the same. In fact, spending is a personal matter and will depend on many personal...

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Best places to buy second-hand in Switzerland

When you want to save money on something, buying it second-hand may be a great way to pay less! Over the years, I have bought many things second-hand, and I could save a lot of money by doing so. But the question remains as to where to find second-hand items to buy. In this article, I will go over the best places to buy second-hand items in Switzerland. Some places are online, while other places are brick-and-mortar shops. Emmaüs Shops My favorite place to buy...

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Best places to buy second-hand in Switzerland

(Disclosure: Some of the links below may be affiliate links) When you want to save money on something, buying it second-hand may be a great way to pay less! Over the years, I have bought many things second-hand, and I could save a lot of money by doing so. But the question remains as to where to find second-hand items to buy. In this article, I will go over the best places to buy second-hand items in Switzerland. Some places are online, while other places are brick-and-mortar shops....

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How to work out at home for free in 2021

(Disclosure: Some of the links below may be affiliate links) Until COVID-19 started in Europe in 2020, I was going to the gym regularly to work out. But when I started working from home, I completely gave up on working out. This is definitely not ideal for my health. In 2021, I decided to start working out at home. And I found out that this was actually easier than I expected. You can start working out with very little equipment (even zero if you want). And you can actually save a lot of...

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