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My best advice #7: Keep it simple and straighforward
You may have already heard of the acronym KISS: Keep it simple and straighforward – or keep is simple stupid. It follows the concept that you should not complicate something, when there is a simple way to achieve your goal. It is similar to the concept of Ockham’s razor: when trying to understand something, getting…
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Becoming financially independent as an expat in Germany in an easy way in 2022
As an expat in Germany, you may have chosen to move here for the long-term. Maybe you have a partner who is from there and you want to build a life together somewhere else, or perhaps you simply love German culture and want to experience it in person. Whatever your reasons, uprooting yourself and moving…
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Improve your SCHUFA score: 8 tips easy to follow
In this last article I spoke about the SCHUFA report and the SCHUFA score. Checking it regularly – once a year at best – is one thing, but keeping it as high as possible is much more important! Because practically every time you sign a contract, apply for a loan, open an account and in…
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My best advice #6: Invest in your education and your human capital!
We live in a very exciting age, as we are given the opportunity to move our education forward and to access all past and present knowledge – and the future is just around the corner. Sometimes, the offer is just overwelming, and it feels more comfortable to watch Netflix or Amazon Prime. But as usual,…
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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…