Farnoosh Podcasts

I really like personal finance guru Farnoosh Torabi. She started So Money podcasts and they’re great! I’ve listened to the ones with Mr. Money Mustache and J. Money. I love the questions she asks. It’s listening to PF great minds talking to each other as if having coffee together and casually throwing all these mindblowing philosophies into the equation. Yep, girlfriend got it going on!

I was very much inspired by J. Money’s Craigslist habit. I am going to incorporate that habit after having this baby. Our house is still stuffed with…stuff…which we can make money from.

Have fun listening to her podcasts. The next one I’m going to listen to is with Seth Godin.

Love,

Mrs EconoWiser

Sugru

This is by no means a sponsored post and I am not affiliated with the product whatsoever. (nothing on this blog is sponsored, I do not earn any money with the blog) I would just like to bring this great product to the attention of those who don’t like to throw broken stuff away. Sugru is a moldable glue and some say the 21st century duct tape. When you open a pack you will find a clay substance. Mold it wherever you like and within 24 hours it will have turned into rubber which sticks to almost anything. Check out their gallery for more inspiration.

We needed some cushioning for our kitchen cabinets. There are some really nasty corners and we were afraid they could cause some serious wounds for our daughter. So we used it for that purpose. We also used it to fix a couple of things that were broken and hack things so that they work better for us. I also looooooove the story behind the product. That girl is one of those entrepreneurs who wants to make the world a little bit better instead of selling some random shit. Her exact words: “I don’t want to buy new stuff all the time. I want to improve and re-imagine the stuff I already have so it works better for me.” YAY!!!

I thought that there probably are some people amongst my readers who would be interested in this product as well.

Lots of love,

Mrs EconoWiser

Amazon Kindle Unlimited Membership

I love to read books. About investing, minimalism, decluttering and the like….(and chicklits, dare I share this with you?) Most books I read are written in English. However, our library doesn’t offer all the books in English I like to read. And most  of the time they offer the titles ini Dutch. Well, duhuh, we’re in The Netherlands. So, I sometimes go out and buy the English titles I want to read.

Yesterday I came across the Amazon Kindle Unlimited membership. For 9.99 a month (US dollars) you can download all the books you want to read. This would be ideal for me. I spend a lot more money each year on buying books in English. However, not all books are available (yet).

What do you think? Worth a try?

Love,

Mrs EconoWiser

P.s. Yes, we already own a Kindle. The hubby loves his gadgets. ;-)

Maternity Leave!

Fina-freakin’-ly! Today was my last day at work. I’m almost 33 weeks pregnant now. I am so very tired and my back hurts like hell.

I don’t have to go back to work until August 25th! Yay!!!

Love,

Mrs EconoWiser

January Numbers

Januari 2015
Mortgage: 33% (0.15% increase)
Emergency fund: 3.14% (-15% due to large chunk of money which we invested)
Stash (=EF + stocks): 15.77% (+0.55% due to savings rate and bull market)
Savings rate this month: 28% (we pay our health care insurance annually, so we paid over €2,000 in one go AND the hubby went snowboarding in Winterberg for four days)
Savings rate this year: 28% (I am hoping for a 40% savings rate this year)

How did you do?

Love,

Mrs EconoWiser

Up She Goes

The stock market, that is. When we started investing in VWRL about a year ago we paid about €48 per stock. As we speak they’re about €61-somethingish. Wow!

At the start of this month I managed to buy a chunk of them at €56. February is the hubby’s turn again.

Yes, sometimes it is difficult to hit the “buy” button when you’ve paid less for the stocks a couple of months ago. Maybe this is also why wannabe-investors keep putting off buying stocks because they want to time the market?

This is also why I really like Meesman. Our money is transferred to them each month automatically and they’ll buy the stocks for us at a set moment in time. In that case do not know what the going rate is.

If you’re interested in DIY investing you need to be tough! And be daring enough to ride out the storms, but also buy at “peak prices”. (But of course you don’t know whether they’re peak prices or not!)

On a more personal note: I am dog tired. Next week Wednesday is my final day at work and I cannot wait. My back aches a lot and I need a lot of sleep. Luckily, I get a lot of help.

Love,

Mrs EconoWiser

Angry Investors

So, investors are angry with Alex because of disappointing results over 2014. For the non-Dutch: this broker has aggressively advertised during the past years about their investing performances in the past. They boosted about being able to beat the market. There were impressive tv commercials about how they would sell when stocks were about to drop and buy when they were about to increase, taking time-outs based on their technical analyses. However, as predicted in any book or study you pick up about index investing….active investors might be lucky for a while, many investors hop on and there you have it…they can’t meet expectations anymore. That’s exactly what happened here. The fees are killing investor’s capital growth and the investment approach is plain guessing. Well….duh…we know!

I have stated my opinion on investing with Alex before in a reader case study and, luckily, this reader decided against investing with Alex after all.

I just don’t understand why people don’t do their own research on investing, educate themselves a bit and then make a conscious decision instead of making a decision after wathing a commercial on tv. I mean, those are your hard-earned euros! Who’s going to take the best care of them? Right, you!

Oh, Meesman scored 19.3% with their world-wide fund. Snaps for index investing!

Love,

Mrs EconoWiser