Money Essence
My First Pillar 3a Contribution in Switzerland: A Costly Beginner’s Mistake”
It was supposed to be simple: open a Pillar 3a account, make the first payment, and move on. Instead, I ended up with a portfolio I didn’t understand, a lot of nerves, and the sinking feeling that I had made a spectacular mistake. And that was only the beginning…
FREEDOM BUDGETING #01: Let’s take control of your spending
Start your Freedom Budget journey in Switzerland! Learn how to analyze your expenses, set priorities, and finally take control of your Swiss francs. Simple steps, real results, and a mindful approach to money management.
15 Minutes for Your Finances – My Little Daily Ritual
What can you really do in just 15 minutes? Surprisingly - a lot. No pressure, no perfection - just a simple habit that quietly transforms everything over time. Dive in and discover how a quarter-hour a day can reshape your relationship with money.
Money Essence Diary - NOVEMBER 2025 Review
This post is a reflection on how that one decision sparked my journey toward financial freedom in Switzerland — from the excitement of opening my Finpension account and discovering how much I could save on taxes, to the small surprises.
Freedom Budget Roadmap: My 7 Stages to Financial Clarity and Control
Budgeting isn’t about spreadsheets - it’s about freedom. This post opens my *Create Your Own Budget* series: a personal journey through the mindset, structure, and reflection questions that shaped my financial philosophy 🌿