Something I must recommend first, which has saved me considerable expenses, is starting to use Bank Cler ZAK. 💯 I wrote a post about this which I've linked below. Paying UBS 8 CHF monthly (after a change - previously I was paying 13 CHF) was absurd to me - especially since I had free bank accounts in Poland.
Favorites
My Favorite Tools for Saving Money 💰💼
Here's quick access to the tools I use to enhance my saving capabilities! ✨
You might notice there's no budgeting app listed here. Unfortunately, I haven't found anything interesting so far. And no, I haven't tested YNAB. For budgeting, I use Excel 📊, which I've completely customized to my needs. A series of blog posts about this will appear soon.
Bank Cler ZAK
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Interested in this product? Use my code "S8I21D"! 🎉 Do I get anything from it? 🤔 Honestly, yes! And you too! Both of us get 25 CHF!
Finpansion 📈
This is my chosen provider for pillar 3a (I plan to diversify with other providers in the future). 🔮 I selected them due to the lowest operating costs and the ability to customize my account to have 99% stocks - with a choice of UBS, Credit Suisse, and Swisscanto funds. 📈
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With my code 9NVS6H, we both receive 25 CHF after you deposit 1000 CHF. I think it's a pretty good deal. 🤝
Notion 📝
Now you might wonder - what is this app doing here? 🤔 I'll certainly create more notes about it, but I'm currently building my "Command Center" - a place to collect information about all the products I own. 🗂️
And it's free! 😊 Finding affordable solutions is my top priority. 💸
What Would You Recommend? 🤔
Do you have any tools to suggest? 💡 Tell me trough the Contact Form!