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my twenty cents
minimalism, budgeting, millennial, student, side hustle
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Net worth:
Lausanne, Switzerland
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

I started tracking my net worth report in March 2018 when I launched this blog. I used to be an accountant and the end of every month marked a chaotic time when I had to work extra long hours to try to close all of the company’s books. Now, I look forward to the end […] The post My Net Worth Report – October 2018 – $750,764 appeared first on my ...
Posted: Nov 15 2018 @ 1:26 PM
The most successful people in the world probably read a lot more than you and I! For example, Warren Buffett reads over 500 pages a day! Bill Gates reads 50 books a year. Do you see the trend here? Successful people read A LOT! That is how they gain knowledge and ideas for their successful […] The post 6 Personal Development Books All Successful People Must Read! appeared first on my ...
Posted: Nov 13 2018 @ 9:30 PM
When I was living paycheck to paycheck, a no-spend month was what helped me to get through the tough times and start saving money again. A no-spend month is basically when you go a month without spending money on anything besides the essentials: groceries, rent, phone bills, utilities, gas, etc. You are not allowed to […] The post 10 Ways To Start And Survive A No-Spend Month appeared first on my ...
Posted: Nov 08 2018 @ 9:13 PM
Making friends as an adult is extremely hard! To further complicate matters, making friends in a new and foreign city is even harder! Most recently, I had a reader who asked me about how to make friends and adjust to life abroad. She was very nervous about moving somewhere with a totally foreign culture. That’s […] The post How To Move Abroad And Make Friends As An Adult appeared first on ...
Posted: Nov 05 2018 @ 7:39 PM
Today I have the great fortune of interviewing Marc from Vital Dollar who went from side hustle to full-time blogger. He has successfully launched and sold several online businesses. I am super inspired by Marc after this interview and y0u should be too! He offers some great tips on starting and running an online business, saving […] The post Interview With Marc From Vital Dollar: From Side Hustle To Full-Time Online Entrepreneur ...
Posted: Nov 04 2018 @ 9:42 PM
This post explains exactly how to set and achieve your goals for success in life. My greatest weakness is probably that I love EVERYTHING and can’t seem to commit to doing  just one thing. I keep myself super busy with: learning new languages (currently speak 5 and counting), studying (was a CPA and now I’m […] The post 7 Smart Ways To Set And Achieve Your Goals appeared first on my ...
Posted: Nov 02 2018 @ 8:44 PM
I had mismanaged my finances over the summer and found myself with less than $100 in my bank account and living paycheck to paycheck. That was not the first time I lived paycheck to paycheck. What does living paycheck to paycheck mean? Well, to put it simply, it means that you are not able to […] The post How To Finally Stop Living Paycheck To Paycheck appeared first on my twenty ...
Posted: Oct 31 2018 @ 5:17 AM
Do you have a frugal minimalist friend or relative who is impossible to shop for? They seem to not want to own anything so material gifts don’t quite seem to work? I know I fall under this category for sure! Here is a gift guide of the top 10 gifts that even minimalist people would […] The post 10 Top Gift Ideas For Frugal Minimalists appeared first on my twenty cents. ...
Posted: Oct 29 2018 @ 7:24 PM
Do you love reading? Are you an avid reader like me? I love reading but I also love being frugal. For this reason, I have completely stopped buying physical books. Not buying books allows me to keep my apartment tidy and not clutter it with books that I really read once! However, just because I […] The post 4 Genius Ways To Read Books For Free appeared first on my twenty ...
Posted: Oct 23 2018 @ 6:02 PM
This article discusses ideas for frugal ways to spend your time and ideas for new hobbies for you to try! Aside from my rent and food costs, my monthly expenses are usually relatively low. That doesn’t mean that I just stay in my room and do nothing all day, though! I like to keep myself […] The post 9 Frugal Hobby Ideas For A No Spend Day appeared first on my ...
Posted: Oct 12 2018 @ 5:52 PM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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