Posted in budgeting

What my family done for better budgeting result?

What did my family do for better budgeting result?

  • Firstly, we sold a one car from two.

These days are very difficult to maintain two cars: Car insurance, tires, repairs… so many expenses.

I am not sure how much we will save now, but it should be plenty.

by the way, our car is 18 years old Ford Focus and it drives well. Insurance for this car is very cheap. Spare parts not expensive.

  • Less money for Grocery.

how? We mostly shopping one time  a week. That rule makes us be more frugal customer.

And one more reason, we trying to spend no more then 50 euros per one shopping time.

  • We planning every bigger purchase.

We always think about a need. Yes or no? We need it? Maybe this stuff we buy later.

If we decide to purchase, we always spend money from savings. Credit cards not acceptable in my family.

  • Never buying the same day expensive items.

We always  look for best price seller. Never purchase from nearest seller. A year ago we bought all kitchen equipment. After we got a list what kind and models we would like, i found the best offer in one shop called ” Technorama” with discounts. This offer i sent to another shop “Elektromarkt” and they did a price cut again. I am not saying that i am clever boy. I am frugal 🙂

  • Less electronics and we do not buy “flagship” anymore.

Few weeks ago we was looking for good phone for my wife and we found Samsung A8.

This phone is  nice, impressive, fast, good made almost as flagship phone S8. Difference is the double less price. Of course, we bought it by cash.

Electronics has one  big problem, they getting old so fast. So invest money on stuff like smart tv , phones, laptops, tablets is not the best decision. Today is awesome tablet, after few years is just a rubbish.



Posted in budgeting


My family 2018 Half-year basic financial results:
Y 2018 JAN-JUN %
Earnings (€) 11722
Investments: 1500 12.63
Stock 800 6.82
p2p personal 500 4.27
p2p child 180 1.54
paid debt 1252 10.68
Investments and paid debt 2752 23.31

Earnings = my work salary + my wife earnings + my child earnings ( government child money 30 € / month ) +  my health insurance pay out.

So my family invested 12.63 % from earnings. Not so really bad.

First goal was 10%, so we overbear the goal.

Next goal 15%. So i need 2,37 % better result.


Posted in investing GO&GROW

Bondora created a new tool named “go & grow”. They says, you can earn 6,75% .

What do you need to start? Bondora account and there open “go & grow” account.

They says there is no risks and you can cash out any time.

Sure, 6,75% is with *. what it means?

It means, if something goes wrong, this profit is not a commitment. They can pay less..

I think, if you have much money and do not know how and where to invest, there is good solution to you. Even 3-5% is not bad, while banks pays nothing.

Here you are my test go&grow account. I earn 0.15 eur  with invested 15.13 eur.


If you want to create bondora account, there is my link. YOU will get 5 eur and then test yourself 🙂