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Which are the best free credit cards for expats in Germany?
Most of my blog articles are written in reaction to what I experienced in the last weeks. So this one. I have newly received a letter from my bank, stating that I will have to pay a fee of several euro per month if I wanted to keep the VISA credid card I got from…
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The best 5 reasons to have a financial cushion in Germany
As you may have probably already know from my other articles, I am a security oriented guy. In my childhood, my family taught me the importance of savings as financial cushion and of a parsimonious life. As children sometimes do, I internalized these lessons and exaggerated the concept, spending (very little) money only for strictly…
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The Life-Changing Magic of Not Giving a Fuck
Newly I discovered one of the most entertaining TEDx Talks I watched so far: “The Life-Changing Magic of Not Giving a Fuck” by Sarah Knight. In her TEDx Talk Sarah shares a very important lesson she learned by chance and she reveals the secret to inner satisfaction and joy in our life. What is the…
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4 activities to do in your idle time
Taking a look at my private calendar, I noticed that there are short time slots throughout the day that I did not use to schedule. I didn’t schedule anything, because either it seems impossible to me to find any activity to do in-between two other events, or because these idle time slots just seem too…
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The 5 most effective money saving tips I have used!
In this post, I want to tell you the best 5 money saving tips that have helped me a lot and improved long-term my financial situation. Some of them are very concrete, others can be adapted to your own requirements. I grew up in a very parsimonious family: I can still remember we didn’t have…
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My best advice #5: Keep track of your expenses: The big difference between rich and poor
As far as I know, no one has ever become rich by just spending money. To find out where my money flows or how much I spend for this and that, it’s in your my interest to know my expenses. In the following article I will explain why it is also good for you to…
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My best advice #4: What to do when it seems I don’t have enough time
Taking care of my own projects, may it be finances, hobbies or voluntary/community service, takes time, no question. Time that I don’t always have, however, because we all usually have a full-time job, have to take care of everyday problems, and some of you perhaps even have children, so that sometimes there is no time…
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My best advice #2: Understanding my Inner Clock
In today’s society, we are told when we have to work, mostly according to the 9-to-5 rhythm. With luck, you have “escort” times and can better arrange when you want to work, but even this framework is limited. In this post I want to explain you why understanding my inner clock was so important for…
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My best advice #1: Always think long-term!
With this new blog posts series, I want to share with you thoughts and experiences I had in the last years that are not related to travel or photography but that could actually be interesting for you. The short summary of this article: Long-term thinking – Why it was and is so important for my…