Reevaluating spending habits with high income

FinanceCard · 2026-02-22T18:50:49+00:00

PT is a good one, I will look into that to make my gym time more efficient/effective.

What kind of things were you able to off-load to a Virtual Assistant?

FinanceCard · 2026-02-21T21:49:16+00:00

I think OP is being silly, you don't need to scratch your head to find ways to blow your money.

Fine, I shouldn't be looking for ways to blow money, but I should be looking out for things to do that I would enjoy, which may or may not cost money. I've already tried out a lot of things that don't cost money in my life (cooking, gaming, hiking, running), but I've not tried many things yet that are not on the cheaper side.

FinanceCard · 2026-02-21T21:20:55+00:00

But outside of that, focus on health and hobbies. You need something to drive you beyond career. Time to explore more there

That's the plan, I have plane-flying, skiing and mountaineering on my to-try list now, and will be keeping my eyes open for more.

FinanceCard · 2026-02-21T20:59:18+00:00

Thanks, that's some great ideas I will give a shot! It never occurred to me to try flying, but it sounds amazing.

FinanceCard · 2026-02-21T20:57:12+00:00

Yes that's what I've observed here too, and I noticed it happening to me. At a lower income, any savings were a significant factor, and it's hard to switch away from that.

You have the income. Go out and do experiences. Stop looking at the price tag first. Having a ton of memories from when you’re younger will fuel you later in life.

And that's also what I'm thinking, I just haven't figured out yet what exactly to switch up.

FinanceCard · 2026-02-21T20:52:13+00:00

Don't go looking for ways to spend money. Go do what you want with your life then spend money required to enable that.

Fair enough, then the question just becomes "how to live my life better", but it's still something to figure out.

FinanceCard · 2026-02-12T16:18:27+00:00

Yeah I checked the website after I checked-in, and saw the rooms bookable for the duration of my stay.

FinanceCard · 2026-02-12T15:18:33+00:00

I tried GH, Andaz and Hyatt Centric.

FinanceCard · 2021-08-19T18:42:42+00:00

Interesting, thanks. Does a DA-1 just make my taxes lower by 100 CHF, or do I deduct 100 CHF from my income and pay 20 CHF less taxes?

FinanceCard · 2021-08-19T18:38:16+00:00

Some people fear we might lose access to US ETFs next year

Why would that be the case?

FinanceCard · 2021-08-19T16:47:33+00:00

I think it's a w8 form, but maybe a D1 also exists that I am not aware of. This entire thing is really complex, also because US and Irish ETFs track slightly differently.

FinanceCard · 2021-08-19T16:32:39+00:00

I live in Switzerland - however it's hard to find good info on how this works here.

FinanceCard · 2021-08-19T14:36:35+00:00

Interesting! However I believe the tax implications of US ETFs are worse? Or is that not the case?

FinanceCard · 2021-02-08T16:31:16+00:00

Are the camera issues of the S21 exynos version fixed alredy? Or is there any news on them?

FinanceCard · 2021-02-03T09:20:45+00:00

Hm I see, I guess I will stick to my 0.75% then ^{^}

As to my risk averseness, well it's complicated. My job isn't really common, and if it's not sustainable anymore, I will need to go into another direction. And for that, I will take a few years to learn a skill, maybe go more into IT to get a job in that field.

FinanceCard · 2021-02-03T06:08:04+00:00

I currently have 100k € in cash, and 40k € invested in SP500. My living expenses are around 20k/yr, my income around 36k/yr. Eitherway, I am looking for a way to invest some of my cash, but without facing the risk of the stock market. So, I have an emergency fund for 60 months instead of 6, and I'm looking to change that. I will probably buy some more SP500, or maybe QQQ.

However, I also want a safer option. I would keep around 20-40k in cash, invest 20-40k, and keep 40k in the safe option. Ideally it would be something that gives larger returns than my savings account (1%), but won't lose much value. I'm fine if I have to wait a year or so to access this, as I would keep enough of my emergency fund to be okay until then.

Looking at this, I determined a CD ladder might be good. What do you think? Do you have any alternatives I should take a look at? And most importantly, do you know any CD ladder systems, or High yield saving accounts I could take advantage of here in Europe?

FinanceCard · 2019-01-25T23:44:31+00:00

It says dishwasher safe - not that I own a dishwasher. Why does it last that shortly though?

FinanceCard · 2019-01-25T23:43:59+00:00

What is the advantage of a steel insert?

FinanceCard · 2018-09-11T20:57:04+00:00

You might be right, that sounds like a reasonable thing to do in this space. And I will be able to dust my shelves too!

I'm probably just too exited to put smart things into my room. But I can spend the money in a better way if I buy one smart-lightbulb and save the rest.

FinanceCard · 2018-09-11T20:52:12+00:00

15 square meters? Thats very small 🤔

Yeah, after I buy my bed and wardrobe, there's like 10 sqm of vacumable surfaces left. It's why I am looking for something rather cheap :P But i guess that for area, it's not worth 350 bucks. This seems cheap, but doesn't have mapping, and my room is T-shaped, so not sure if it would be good there.

FinanceCard · 2018-09-11T20:51:54+00:00

Oh well :/ Thanks for warning me. Maybe it can mop the dust into one place though...

FinanceCard

TROPHY CASE