Big Data eCourse
Together with Laudius and another teacher I made a Big Data eCourse in Dutch about what Big Data is, how to analyze Big Data and Privacy & Ethics in Big Data research. With the code: GUISELAINE 10 percent discount (Affiliate).
Index
By Striving For Fire, I Will Be Able To Pay Off My Student Debt
Because I want to achieve FIRE (Financial independent and Retire early) in a few years time and want to get rid of my student debt as soon as possible, I participated in the financial course of PorteRenee (Sorry, only Dutch & not on Instagram anymore). In this one week Instagram course I learned the following 7 things.
Demotivator
The first assignment was to keep track of all my expenses for a month and how I felt about spending. The idea behind this is that there is an emotion behind a certain purchase that makes me buy things that are not necessary. When I was a student, I kept track of exactly what I spent and on what. Now I am starting to track my expenses again, even the smallest expenses. A nice tool for this is the Demotivator. In this tool I enter the amount for a purchase and my income and then the tool calculates for me how many hours I have worked for this purchase. If I do this before I buy something, I will probable leave it in the store. Better for the minimalist I am already.
Weekly Allowance
Work with weekly money instead of monthly money for Groceries and fun things jar. As a result, I cannot spend everything at once at the beginning of the month. If I spend it 1 time immediately, after I have transferred my weekly money, I have another chance the following week to budget more. After trying this I now buy groceries once a month or twice a month depending on the month.
Open Different Accounts Or Jars
At banks such as MoneyYou and Knab I can open jars or different (savings) accounts without it costing me more. As a result, as soon as I receive my money, I divide my money over these jars and then my money has a destination and then I can no longer spend it on things I don't need.
Pay Myself First
I already apply this principle in my company, but now it must also happen on my private accounts. So every incoming money I will allocate a percentage to nice things jar and to investment jar in addition to a percentage of course for fixed costs and other jars.
Patience, Don't Buy Immediately
I put together a list of things I want and then I can budget to buy them. But even more importantly, if they are on that list, it becomes clear whetherI really want them or not. Maybe after 30 days I think leave it I don't want it anymore and then I have saved again money.
Make It Harder For Myself To Make Purchases
For example, remove my payment details from online webshops, so that I have to enter them again with every purchase and therefore think about whether I really want them, because I have to do something for it and then I do it less quickly.
Make A Mood Board
I Made a mood board with my big dream on it and hang it somewhere insight, so that I am constantly reminded of my dream and save money for it instead of spending it on things I don't need. Get rid of all those fixed costs and choose freedom in buying the things I really want like the site of Porterenee is advicing and I support!
Related blogs on my website
Related guest publications
Capella, G.M. (2022) Heb ik straks genoeg pensioen om mijn levensstijl te behouden?
Vis, R. (2021) Hoe beleg jij? Guiselaine (43) wedt op vele paarden Intermediair
Related external links
Related affiliate links
I earn a bit on the sale through the links in this category like writers earn on their books with publishers, more information on the Disclaimer page.