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My Swiss Financial Journey 💰
Hallo Money Essence’s readers!
How I Discovered the True Value of Saving After Moving to Switzerland
I moved from Poland to Switzerland 3 years ago, and that's when I started thinking about my finances. ✈️ Saving money in Poland wasn't one of my highest priorities - it existed, but it was saving for the sake of saving, without a specific goal. 🤔
Back in Poland, I was already keeping a household budget, but only after many years did I realize that it was basically just bookkeeping, not strategic money management. 📊
My Financial Awakening in Switzerland
I started making real changes – checking my expenses regularly, dedicating 15 minutes a day to my finances, and actively responding to market shifts.
Thanks to this routine, I can:
- create budget surpluses 💸
- react quickly to changes,
- and build lasting financial security. 🛡️
One of my biggest inspirations was Marcin Iwuć, whose content helped me build my first emergency fund.
The Freedom Budget – My Personal System
At some point, I realized I wanted more than just tracking expenses. That’s how I created my own system – the Freedom Budget.
👉 It helps me:
- set financial goals,
- manage money more effectively,
- and prepare for uncertain times.
On this blog, I’ll show you how you can also design your own path toward financial independence.
From Emergency Fund to the 3a Pillar 🏦
What came next? I discovered that I could also save through the third pillar (3a) of the Swiss pension system! 🏦
That’s when things really took off – especially when I realized I could also calculate and benefit from tax returns. 📈 As a Polish expat in Switzerland, this was a true game changer!
Why I Write This Blog 🤷♀️
While reading Polish and American finance blogs, I noticed that many solutions… simply don’t work in Switzerland.
👉 For example:
- no inflation-linked bonds,
- limited ETF options within pillar 3a.
These things don't exist here 😄 - or maybe I just don't know about them?
That’s exactly why I started this blog – to share my real-life experience of managing money as an expat in Switzerland. I write the way I’d talk to a friend: openly, simply, and practically. And with your feedback, it becomes a true win-win. 🤝
Who Am I? A Quick Snapshot 👩💼
- I earn up to 100k CHF a year 💼
- I’ve never had debts – unless you count €10 I never paid back for a beer 10 years ago (yes, I still think about it 😅)
- I don’t own property yet 🏠
- I live in Switzerland with my partner ❤️
Join My Financial Adventure! 🚀
If you live in Switzerland and want to better manage your money, I invite you to follow my blog! You’ll find practical advice, real experiences, and Swiss-specific solutions for saving, investing, and planning.
Together we can explore the world of personal finance in Switzerland. Subscribe to stay updated with new posts and join a community of people who want to consciously build their financial future. 📧✨