NetWorth Update November 2021 - To the moon part 2

To the mooooon agaaaain.

My CRO cash back credit card arrived and my first few crypto cashback exploded along the initial stacked 3'380 EUR.

I've seen seem even reaching 18'000 EUR but eventually ended November down to 13'622 EUR.

ps: I now have 100% cashback on Netflix and Spotify (finally no more German ads)

Work wise, I've switched my 2 Pillar contribution plan from 5,5% to 7% as my Fund offers higher return than the mandatory basic 1% (in the past it even reached 8% mine), so I've opted to pay less taxes and still see my money well invested.

Back to my personal life (not financial one) I had a lovely weekend away with my girlfriend in the lovely town of Baden, famous for its thermal bath, and I must say it was such an amazing charming one.

We treated ourself with some nice meal, a morning at the SPA, some hot-wine at the Christmas market and even went to the casino (with the 10chf coupon offered by our Hotel) and did a crazy all-in 10chf bet on the roulette with a 66% winning chance... and they are gone.

Income CHF 8'048.30  (CHF -740.61 vs October) 

Boring month. The absolute basic salary and a Helsana refund of 104.30 CHF

Expenses CHF 2'405.85 (CHF -1'031.36 vs October) 

Ouch...  but glad it's more due to travel at least

• Housing: CHF 1'160.75 - usual rent + grocery + an other little Ikea trip + 223.50 chf of insurance for the house
• Health: CHF 357.05
• Personal: CHF 629.65 - Bought some clothes, went to bars/restaurants + hobbies 
• Transport: 0
• Holiday: CHF 258.40 - Baden + I've bought my first plane's ticket (after more than 2 years!) to visit some friends in Copenaghen. 

Saving Rate 70.11% (-5.83% vs October)

4 months in a row, cmon don't give up! let me finish the year with 5 in a row!

Net Worth CHF 340'263.19 (CHF +17'622.51 vs October)

Thanks once again crypto... and an other month of negative market.

Nope, I still don't change mind.

I am wondering if I can reach the end of the year above 350K. Having started the year at 210K, that would be insane!

I've reached 29.64% of FI which bring my FU date to 01/11/2025, ohllala!

Stocks Investing CHF 228’123.88 (CHF -1'216.81 vs October)

Other 3k invested in VT and the market once again pretty stable towards the negative direction

Crypto Investing CHF 26'385.08(CHF +8'400.08 vs October)

Shibu eventually dropped even more, down to 5'020.16 USD while CRO ended the month at 13'621.99 EUR.

The rest of the crypto also performed bad along with the stocks and CHSB has been in negative ever since.

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NetWorth Update October 2021 - To the Moon!

October has been a nice first attempt into crypto.

I've seen Shibu going up from my initial 800 CHF investment, up to more than 9'000 CHF.

Though I didn't sell, as 9k don't really change my life, and even if I will never become millionaire with SHIb, I still can just let them sit there for the next x year and either make waaaaay more money or lose 800 CHF.

Indeed they eventually ended the month down to 6'887.13 CHF and I am completely fine with it.

Income CHF 8'788.91 (CHF +341.87 vs September) 

- Assura gave a 100 CHF refund to all their clients

- My former Regie refunded me 283.50 CHF of heating/water fees

- 154.86 CHF of dividends

Expenses CHF 2'115.10 (CHF +15.32 vs September) 

Amazingly, just 15 chf difference from the previous month

• Housing: CHF 909.20 - rent + grocery + a little Ikea trip
• Health: CHF 430.20 - Dentist checkup for cavities. all good!
• Personal: CHF 778.90 - damn you phone! 
• Transport: 24.70 - my usual little hiking trip
• Holiday: 0

Saving Rate 75.93% (+1.02% vs September)

3 months in a row above 70%, keep it going baby!

Net Worth CHF 322'640.68 (CHF +16'837.06 vs September)

Thanks crypto, I will still talk shit about you though.

The market also had a good performance too even though lower return than his evil brother above (you can see who is my favourite)

Stocks Investing CHF 229’340.70 (CHF +6'498.41 vs September)

You remember the 3k of last month? I've invested them in VT who also had some good performances.

Crypto Investing CHF 20'005.45 (CHF +7'617.50 vs September)

Ok, Ok, this time it's actually a real increase 

But who are the heroes?

- SHIB:  USD 6'887.13 ( +6'088.34)

- CRO: CHF 4'039.51 (+653.4)

- BTC: CHF 2'605.68 (+612.81)

- ETH: CHF 1'909.29 (+461)

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NetWorth Update September 2021 - First day of work!

My first day of work! in the same company.

As previously said, I have simply been hired internally after having been an external consultant contractor.

Of course I now have more responsibilities, and therefore this could translate into some salary increase in the coming years, even though from my understanding the company doesn't really do this, but instead has a concept of "interest" which is basically a bonus according to their annual performances. 

September was an expensive month as I've broke my arm (not completely) and my phone's screen. The second one was somehow more painful...

I've also decided to use 10k as fun money and flushed them in the toilet (crypto).

I've bought 700chf of SHIBU (to the moooooon), and opened a Crypto.com account as well a SwissBorg one.

Income CHF 8'370.72 (CHF -3'127.06 vs August) 

Hello lower salary... but ok, to be fair, no other month will be able to compete with August.

Some help from my dividends who bring an extra 426.72 CHF to the table.

Expenses CHF 2'099.78 (CHF +237.49 vs August) 

The month was pretty much the same as August, which differed just by my biannual dentist visit, and for my the phone's repair (thanks God the accident insurance took care of the arm)

• Housing: CHF 848.32 - rent + grocery 
• Health: CHF 446.05 - Dentist
• Personal: CHF 778.90 - damn you phone! 
• Transport: 26.5 CHF - my usual little hiking trip
• Holiday: 0

Saving Rate 74.92% (-8.89% vs August)

Keeping it above 70%, what else can I say? I am just happy about those results.

Net Worth CHF 311'454.49 (CHF +5'949.75 vs August)

A pretty shitty month for the market which performed negative.

Stocks Investing CHF 222’842.29 (CHF -1'135.39 vs August)

I've moved  3'000 CHF to IB but forgot to invest them...oops. But given the market performances, that was a lucky mistake.

Crypto Investing CHF 12'387.94 (CHF +11'908.15 vs August)

Ok lets be clear, I didn't gain 12k in stock. I've simply flushed in the toilet the famous 10k:

- 800 CHF into SHIB

- 2000 CHF stacked into CHSB

- 1992.87 CHF in BTC

- 2600 CHF in ETH

- 3380 CHF stacked into CRO (green credit card)

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NetWorth Update August 2021 - Correcting the Numbers

I haven't posted for the last 4 months for reasons, therefore I release the last updates all together

August has been a pretty stable flat month in terms of events.

We have used all our holidays, and therefor the only big thing happened was to realise that I had some miscalculation in my NW due to some wrong currency exchange and to my 2Pillar being actually slightly higher than what I thought.

I have also decided to remove the expected tax from my income calculation, as perhaps I should just add it to the 'end of the year Real NW expected'. 

As previously said, this was due to the habit to always had my salary taxed at the source as I had a permit B until May.

But this didn't align well with my NW that was still growing every month by the gross amount, and then eventually drop by 20k out of the blue in a month where the expenses would be the usual 2-3K.

Income CHF 11'497.78 (CHF +2'018.63 vs July) 

My last "higher" salary, as from next month I will earn 10k less per year, due to my new contract... congrats to me.

The salary looks a bit higher due to the fact that is my gross salary still to be taxed, as explained above, in addition to 1'964 CHF for my Tax Refund from 2020.

Expenses CHF 1'862.29 (CHF -1'464.77 vs July) 

It's easy to be frugal when you have no holidays, and all activities can be done for free outside (Concerts, festivals, Open-air cinemas, hiking, biking etc)

• Housing: CHF 904.70 - rent + grocery 
• Health: CHF 357.75
• Personal: CHF 484.78 - I mainly drinks/meals outside
• Transport: 61 CHF - little hike trip
• Holiday: CHF 54.76 - We were still in Italy the first 2 days of August technically!

Saving Rate 83.30% (+18.90% vs July)

Between have been one of the cheapest month in addition to the highest Income, this easily be the highest SR of the year.

Net Worth CHF 305'504.74 (CHF +16'346.60 vs July)

Salary + an actual increase of stock value by 5k. Just a simple and beautiful month!

Not surprised, I've once again had some wrong formulas in my sheet, therefore my new FI progression is 25.95%

Better re-run all the formulas the day I reach the FU number, in case a wrong one is still hidden somewhere 😅

Stocks Investing CHF 223’977.67 (CHF +9'572.32 vs July)

I've bought 5'000 CHF of VT and the USDCHF appreciated

Crypto Investing CHF 479.81 (CHF +144.13 vs July)

I feel ashamed.

I don't really believe in crypto and I feel ecologically guilty to invest in something which feels just speculation, and has no real impact in the industry.

But I guess the devil on my right shoulder rather feel guilty and richer...

Anyway I've invested so far just a tiny bit in ETH, ADA and XLM  

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