The United States is expected to issue its first ever national cryptocurrency in September 2021. This will be the result of a joint effort between the US Treasury and Federal Reserve.
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My family and I had a very busy September 2021. Normally, my updates don’t include much new information, but this one is jam-packed with two major announcements! If you’re curious, keep reading!
This month was a decent one financially, with nothing out of the usual. Despite some unexpected expenditures, we had a solid income and minimal expenses. As a result, we were able to set aside a significant part of our earnings.
We’ll go through everything that occurred to us and our money in September 2021 in this post.
They were three in September 2021!
Let’s begin with the most important news (the only one that counts!). We are overjoyed to have our son, Baby Poor Swiss, as part of our family! He was born healthily in the middle of September, and since he was delivered more than a week beyond his due date, he chose to keep us waiting. But now everything is well.
We are ecstatic and are adjusting to life as a three-person household. The first few days were difficult, but as we settled into a routine, we were able to sleep and adapt better. That isn’t to suggest we have everything under control (no one does), but we get by.
The first several days at home were OK for sleeping, but then his sleep pattern became completely out of control. We are presently content when we are able to sleep for two hours in a row. For us, sleep deprivation is the most serious problem. Our kid does not yet have a consistent sleeping and napping schedule. We may expect between 5 and 15 disruptions each night during this period.
My kid was born just in time for his father to take advantage of the new ten-day paternity leave. I was able to take two weeks of vacation in a row. And I still had enough days left over to enjoy three-day weekends for the rest of October, and perhaps beyond if necessary.
Returning to work was very difficult for me. I’m grateful to be able to work from home since adding a commute to my already hectic schedule would have been a nightmare. Given that I have to perform serious work for several hours a day, working while sleeping so little is very difficult.
We’re looking forward to a good night’s sleep. This may seem self-serving, but it will allow us to spend more time with our kid throughout the day. Another thing I’m looking forward to is being able to spend uninterrupted time with my wife over a dinner (it has not happened in the last 3 weeks). And, of course, we are excited to be able to play with our kid.
In the following months, this tragedy will also alter our lives. But I have no doubt that this will be a good thing. The blog may be receiving less attention from me, but it is not going away.
Apart from that, there is nothing noteworthy about this month in terms of personal matters. So, let’s go on to the second bit of information.
I published a book.
And now for the second major piece of information! I collaborated on a book with Thomas Walke, a fellow blogger from Switzerland! We’ve chosen to create a book on early retirement that is more worldwide in scope than the typical books about early retirement in the United States. We think that books with an international viewpoint have a place in the world.
The Simple Guide to Retiring Early
So, allow me to present Retire Early: The Simple Guide to you. Pre-orders for this book are currently available on Amazon, and it will be delivered on October 22nd. It will be accessible exclusively as an ebook at first, but a hardback edition will be released in early November. We’ll probably have a paperback edition ready in December.
The Simple Guide to Retiring Early will walk you through all of the actions you’ll need to take to prepare for your own financial freedom. We’ve chosen to keep it simple and avoid making it country-specific. You’ll learn how to select your Safe Withdrawal Rate, but not how to save taxes in Switzerland, for example.
Here is the table of contents for this book to give you an idea:
- Is it feasible to retire at a young age?
- How much cash do I require?
- How can you get around the 4% rule’s restrictions?
- When will I be able to retire?
- How can I get closer to my goal?
- What must I do to make it a reality?
- How can I get started with my FI strategy?
Our book’s goal is to help readers achieve financial independence. The book will lay out all of the actions he has to take to achieve his objective. The reader will thereafter be responsible for gaining additional information in the areas where he is lacking. This, we think, is the most effective route to financial freedom.
If you’re interested in learning more, you may read a reading sample on Amazon or read our reviewers’ testimonies.
If you buy and read our book, I’d appreciate it if you could give me comments or write a review on Amazon. This would assist us in improving our book while also increasing our work’s exposure.
My name is Baptiste, as you can obviously tell from the photo. This isn’t likely to make the news, but at least you’re aware!
Let’s take a look at our expenditures for September 2021:
|Insurances||899 CHF||Above average performance performance performance performance||Our kid is covered for a month and a half under our regular health insurance.|
|Transportation||72 CHF||Average||There was no gas, but there were a lot of parking costs at the hospital.|
|Communications||110 CHF||Above average||For all the calls for the baby, there will be more phone bills.|
|Personal||1616 CHF||Above average||For the blog, there are a lot of pharmaceutical bills and a health trimestrial bill.|
|Food||488 CHF||Average||Standard groceries, plus some hospital meals for me and some additional diaper costs|
|Housing||795 CHF||Above average||The usual mortgage and heating expenses, as well as the quarterly electricity bill|
|Taxes||3782||Average||Taxes of the ordinary|
During the month, we spent a total of 7681 CHF. This is a decent outcome considering there were many trimestrial expenses and various additional expenditures for the infant. This amounts to 3900 CHF for the month before taxes. This sum is less than our monthly target of 4500 CHF, but it’s a great achievement. As a result, we saved approximately 45 percent of our salary this month.
During the first several months, we don’t anticipate our expenditures to alter significantly. Health insurance will be the most major difference, and we will have to pay for diapers and the odd medication, but other than that, nothing will change for a few months.
Our monthly expenditures were quite typical this month. There were a few trimestrial invoices that pushed up our costs, but nothing out of the usual. As a result, we may be happy with our financial situation this month.
Goals for 2021
Let’s look at our objectives for the end of September 2021:
Our objectives for September 2021
As you would expect, having a newborn at home took a toll on several of my objectives this month.
This month, I stopped working out. Because this is the kind of activity that becomes more difficult the more days I skip, I intend to restart next month. However, with work, cleaning, and assisting Mrs. Poor Swiss with the baby, I may not have the time.
And, because I haven’t worked in nearly a month, I haven’t gone for many walks before work. I’m not sure when I’ll be able to resume this practice. I also didn’t conduct many blog updates or translations. All of these objectives, however, are secondary to me.
Regardless, our objectives are progressing well. All of our financial objectives have been met. So I’m not concerned if I don’t achieve any of the secondary objectives.
Let’s take a look at our financial situation as of September 2021:
As of September 2021, our net worth is
Our net worth did not change in any way. There were some ups and downs in the stock market (mostly downs). This month, we were able to save a significant amount of money, which aided in the growth of our net worth.
This progress has pleased me much. In a year, we want to increase our net worth by 100K CHF. This expansion is a fantastic outcome. And this is despite the fact that I just purchased a home. So we’re on pace to reach half a million people next year.
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Aside from the book, there hasn’t been much activity on the blog. I had a few articles written ahead of time so I wouldn’t have to write throughout this month (for obvious reasons).
For next month, I just have a few items ready. As a result, I’m not sure I’ll be able to stick to my writing plan in the months ahead. I’ve chosen a couple review articles for next month since they don’t need as many graphics as some of my other pieces.
On the blog, next month shouldn’t be much different. Except for the publication of the book, I don’t anticipate anything major to happen.
The next month is October 2021.
We have nothing planned for next month. We’ll just go with the flow and adjust to life with our kid. We’ll have to see where this leads. I really hope we can get some better sleep. If we can sleep excellent evenings, our present quality of life will improve considerably. It’s possible that the blog will have fewer articles.
Financially, next month should be a decent month, with nothing particularly noteworthy. We will most likely begin getting kid allowances, resulting in a small increase in our income, although this will not be substantial.
So, how about you? What was your experience in September 2021?
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The author of thepoorswiss.com is Mr. The Poor Swiss. He recognized he was slipping into the lifestyle inflation trap in 2017. He made the decision to reduce his expenditures while increasing his income. This blog chronicles his journey and discoveries. In 2019, he plans to save more than half of his salary. He set a goal for himself to achieve financial independence. Here’s where you may send a message to Mr. The Poor Swiss.
Frequently Asked Questions
What are the biggest news stories of 2021?
What day is September 4th on 2021?
September 4th, 2021 is on a Friday.
How many days does September have 2021?
September has 28 days in 2021.