The simplest budget ever

I know there are a lot of budgeting apps, books, methods available on the market but I am here to tell you that you do not really need those. You can do it by dividing your paycheck into percentages. It is like following a budget but in reality, it is more freeing than some budgets. Read More

How to Harness the Power of Compounding Interest

Some of you will know what DR stands for, for those who do not know it is Dave Ramsey. Now, I know posting this is a bit crazy… since I know there are many die-hard fans out there. I do not dislike his baby steps but they do not work for me. As I mention Read More

Travel-Hacking – Baltic

*There are no ads in this post* It is fairly easy to travel around Europe without using a car or a plane. The Baltic is no exception. Depending on the capital you are starting out there are several travel options. Unfortunately, depending on where you are a train may not be feasible. For instance, if Read More

The Ultimate Budget-Friendly Foodie’s guide to Stockholm

Now, most of these are not on a list for the best restaurants or food joints in Stockholm, but they should be. These are my absolute favorites, either I frequent them because of they’re quick and cheap or proximity to where I live/work. Hermans This is a vegetarian restaurant but do not let that fact Read More

7 things I cut out of my budget

Make-up. Now this one was very hard for me to do as I loved to do my make-up and try new looks. I had to do this one slowly because I also had to learn to not associated self-confidence with this. I still have mascara, concealer, and lipsticks, but I do not buy as often Read More

The Financial Diet

Just like when trying to lose weight, the relationship with food has to change. Meaning your lifestyle has to change. The same thing happens when paying off debt or reaching FIRE. All the extra and unimportant things must be cut off or at least cheaper options found. Once your cost-of-living is decreased, you can start Read More

Savings rates – Sweden vs. USA

I will be somewhat focusing on Stockholm, Sweden since this is where I am currently living. The average income for someone living in Stockholm is about 22000 SEK after taxes, which is about 2100 USD as of today (April 8 2019). Sweden does have a high cost of living, which deters people from eating out Read More

5 financial habits of early retirees

Have you ever wondered what it takes to retire early? Remember, retiring early does not mean 30 years old. Even retiring at 50 is retiring early. Since the retirement age is sometime after 60. Since any age before 60 is retiring early, anyone on just about any income can do it. Have little to no Read More