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.