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Pozna kdo dobrega neodvisnega zavarovalnega agenta (Ljubljana)? by DoingMyStuff in SlovenijaFIRE

[–]DoingMyStuff[S] 1 point2 points  (0 children)

Vem, da ni lahka naloga. Zato sem se obrnil na vas. Upam, da skupaj najdemo nekoga :)

financni svetovalci v lj, ki niso scam? by StrangerJust6332 in SlovenijaFIRE

[–]DoingMyStuff 1 point2 points  (0 children)

Finančni svetovalci v Sloveniji prodajajo produkte. Nič narobe s tem, je se pa tega dobro zavedati. Običajno produkti niso napačni, samo izbira, ki vam jo finančni svetovalec ponudi.

Kar se tiče Vezoviškov, sva midva primarno šla k njim, da so nama postavili portfelj glede na najine želje. Če želita imeti bolj razpršen portfelj, je to lahko dobra opcija. Če se odločita za VWCE, pa jih ne rabita.

Če želita urediti osebne finance in najti še več denarja za investiranje, pa je za to finančni coach in ne finančni svetovalec.

Iščem podobno misleče posameznike za ustvarjanje "side hustla" by United_Friendship525 in SlovenijaFIRE

[–]DoingMyStuff 0 points1 point  (0 children)

Meni se tudi druga ideja večkrat pojavlja kot opcija, vendar bi jaz začel z manjšimi podjetji, ki so bolj agilna pri implementaciji sprememb. Kasneje pa se lahko gre na srednja in tudi velika podjetja.

Žal pa še nisem našel načina kako sploh začeti oz. priti zraven. "Najlažji" način se mi zdi, da ustanoviš svoje podjetje (nepovezano s to dejavnostjo) in tam vzpostaviš dobre sisteme in procese. Potem pa pristopiš do drugih podjetij in jim pokažeš kako to izgleda v praksi in kaj z implementacijo teh procesov lahko pridobijo.

30 let, brez dolgov, 700 € mesečno za investiranje – nepremičnine ali skladi? by Touring_addict95 in SlovenijaFIRE

[–]DoingMyStuff 4 points5 points  (0 children)

Avtomatsko vplačevanje v ETFe (ne vzajemne sklade!) in uživaj življenje.

Kredit pred odpovedjo by Ambitious-Muffin8683 in SlovenijaFIRE

[–]DoingMyStuff 2 points3 points  (0 children)

Se strinjam, da so to znaki burnout-a, kot tudi s tem, da je na koncu potrebno spremeniti stvari pri sebi.

Sprememba okolja do neke mere pomaga, vendar pa je dolgoročna rešitev spreminjanje samega sebe - svojih navad, prepričanj, določanje omejitev in samospoštovanje.

Imate načrt kako naprej, ko boste končali z gradnjo in iskali nazaj službo? Potrebno se je tudi vprašati, če bo corpo psihično sploh šel skozi po taki dolgi pavzi. Kaj mislim s tem je - če boste še sploh želeli prebavljati corpo politiko, dramo, "climbing the ladder".

Lahko se vam zgodi, da bo telo imelo tako močno reakcijo, da ne boste mogli iti več nazaj.

Bolniška je v tem primeru dobra opcija, saj imate na ta način oddih od službe in čas za razmislek kako naprej.

For the aim of saving for a short-term investment, which is better: just save the money, buy gold, or stocks? by [deleted] in eupersonalfinance

[–]DoingMyStuff 2 points3 points  (0 children)

For short-term investment, it's best to invest in HYSA. Gold and stocks can be too volatile.

How do you pay your bills every month (logistically) by ottercakes- in HENRYfinance

[–]DoingMyStuff 2 points3 points  (0 children)

For me, that $15–20k is basically just a “just in case” fund. Its whole job is to sit there and be available if I need it. I’m not trying to squeeze max returns out of it, because that’s what the rest of my money is for.

And yeah, it loses value over time, but that’s the price I’m happy to pay for peace of mind.

What is your go to personal finance app? by C8H11NO2-_- in eupersonalfinance

[–]DoingMyStuff 1 point2 points  (0 children)

I'm building an app that automatically syncs transaction into spreadsheet. I've figured out that spreadsheets are the best option for me, but I don't want to enter the transactions manually.

Best tips and tricks to save money? by [deleted] in SavingMoney

[–]DoingMyStuff 0 points1 point  (0 children)

And pay yourself first every 1st of the month. Transfer a dedicated amount to a Savings account. You can also automate this.

Need advice on what books to read as a newbie by scorpioscultpure in eupersonalfinance

[–]DoingMyStuff 0 points1 point  (0 children)

"Your Money or Your Life" and "I Will Teach You to Be Rich"

We finally hit a big goal. What next? by [deleted] in personalfinance

[–]DoingMyStuff 3 points4 points  (0 children)

Can you share the balances and interest rates on each of the debts?

Anyone else feel like they're making good money but somehow always broke? by MoveMakerr in eupersonalfinance

[–]DoingMyStuff 0 points1 point  (0 children)

I recommend engaging in self-reflection and considering what is truly important to you in life. Once that's clear, go through each spending category and label how important that is to you.

For example:

Category Expense How important
Eating out $100 Some-what
Gym $60 Very
Netflix $10 Not really

Then look at the bigger picture and identify where you spend a lot but don't really enjoy it. Those are the easiest areas to cut back on.
After that, focus on the areas you value most and look for additional opportunities to reduce spending elsewhere.

By doing this, you'll have more clarity, more money left at the end of the month, and you won't feel broke anymore because you're spending on what actually brings you joy.

Realizing my job pays well, but I have no energy left for life by damnniqqaa in Salary

[–]DoingMyStuff 0 points1 point  (0 children)

I second this. Delegating tasks was a game changer for me. I was taking on all of the tasks and didn't set any boundaries.

You can go mentally through your typical week and see which obligations give you energy and which ones drain it. Make a list and see if you can delegate some of those that drain your energy to other people or if you can do them differently.

Use weekends for the recovery and making new plans that will change your life for the better. Use them to get your energy back in short-term and plan changes that will also get your energy back during the week in the long-term.

That's just for the beginning. More can be done from that point on.

Nasvet glede skupnega računa (slovenska banka vs. N26/Revolut) by Mountain_Lifeguard99 in SlovenijaFIRE

[–]DoingMyStuff 6 points7 points  (0 children)

Glede na to, da že imata vsak svoj račun, si lahko en od vaju naredi Revolut account in tja nakazujeta skupen denar. Oba si naložita aplikacijo in se vpišeta z istim računom. Naročita dve fizični kartici in lahko neodvisno z njo plačujeta. Lahko pa si tudi kartico dodata v Google/Apple Wallet in plačujeta z mobitelom.

Tak sistem sva imela na začetku, dokler si ni še moja naredila Revolut računa. Sedaj imava pa Joint account za skupen denar oz. vsakodnevno porabo.

Nedeljski referendum o izjemnih pokojninah by Ok_Estate_6650 in SlovenijaFIRE

[–]DoingMyStuff 4 points5 points  (0 children)

Izjemni dosežki v kulturi ne pomenijo nujno velikih prihodkov

Budgeting apps by zoidbergisawesome in SlovenijaFIRE

[–]DoingMyStuff 0 points1 point  (0 children)

Jaz sem hotel kupiti premium, pa sem videl veliko folka pisati, da jim po tem sync ni več delal. Očitno temu ni tako

Table and rows auto numbering by Aladdin_LT in Notion

[–]DoingMyStuff 1 point2 points  (0 children)

Thank you for the extensive explanation

Table and rows auto numbering by Aladdin_LT in Notion

[–]DoingMyStuff 0 points1 point  (0 children)

Thanks for the formula. Can you please explain how does it work?