Happy New Year and Veganuary!

Happy 2016 y’all!!

I want to thank everyone for connecting with me in 2015 through this blog. I started this blog a year ago mainly to talk to my husband about money in an easy-dose way. Didn’t think you would read me and bring me into your own lives and blogs. THANKS! 🙂

My goal was to set us up structurally for achieving early retirement. For us, we had the frugal living and high savings rate down, but were lacking in the investments department. All of our money sat in the bank, which was very lack lustre.

But that all changed in 2015.

In April I started investing in index ETFs. In the next few weeks, we should have most of our networth in the stock market for the long term. We’re cool with that. Then we plan to continue investing monthly.

Thanks especially to Richard from Banks Germany for reaching out to me and helping me tweak my ETF plan. I went from investing in a tax-inefficient non-German domiciled Vanguard fund, to investing in ETFs on comdirect’s Wertspapiersparplan list (German domicile, more tax efficient). Your advice has helped us out A LOT!!

I also managed to lock in some tax-free capital gains for 2015. This was also a tip from Richard. Since every German resident has 801€ of tax-free capital gains per year (1602€ for a married couple), realizing those gains makes sense. I did that by selling some of our ETFs before Dec 31. Almost forgot but managed to get it in on Dec 29 and 30. 🙂

So basically, you can now call me a Savvy Investor and that will also be my new handle! jk. 😉

2016 Goals and what I want to do with my life

I’ve been thinking a lot about this blog, and what I want to do with it.

Now that I’m not working (still waiting for my freelancing paperwork) and we have our FIRE plan in place, I have little to no interest in writing about it anymore. I just want to do the PF stuff on autopilot, without having to look after it or think much about it.

My personality type (INFJ) is not very interested in or motivated by money, despite me writing this PF-style blog. I’ve only focussed myself on personal finances because I really want to live the life I want to live. Which is more freedom to do what I truly want to do.

I don’t seek money or power or status, but what I do seek is peace and justice.

What I want to devote the rest of my life to is being an activist. That’s what I want to do when I FIRE, more than anything. Last year I sat on the sidelines as I watched the vegan activist movement blow up. It’s exciting and inspiring. Now I want to do my part too, even if I’m not FIRE’d.

Because every minute there is a holocaust, and it affects everyone. Animal agriculture is intensely cruel on every level, and it is not okay to support it. Eating the flesh and secretions of others is a barbaric practice that only causes harm and suffering. Not only to the animal, but statistically it will kill you slowly and wreaks havoc on our habitat.

If we want the world to be a better place, we need to do our part.

So, if you are not already vegan, I urge you to try Veganuary!

Spend the month of January being vegan, and give it a try. It’s not as hard as it seems. I live in Germany, and am able to sustain a healthy vegan lifestyle here comfortably. Yes it may be easier in some places than others, but nowhere is it impossible. Bananas, apples, rice and beans. These are not only accessible to most people, but also frugal.

Tip: Since plants are less calorically dense than animal flesh/secretions, it’s important that you eat enough to make you full – otherwise you will crave things out of habit.

In my first 5 days of going vegan, I knew I couldn’t go back. It felt too good physically. I was no longer bloated and sluggish. My skin cleared up and my mood swings went away. I used to think the mood swings were because I lived in Germany, but nope, it was from all the hormones I was consuming through dairy products. If you need any help, let me know!

This poet says it well:


4 thoughts on “Happy New Year and Veganuary!

  1. Hi Jess
    Happy new year! I am glad I could be of some help. I have started writing about investment also on my website after I found the lack of English language information on the topic. If you find time do visit and let me know what you would like to read or know more about so I can cover a broader topic and write about it.

    Now coming back to ETF selection.. you might have to make a switch of one fund. I remember you had the same allocation as I made. Starting this month comdirect does not offer Ishares MSCI world under “Top preise etf” sparplane, so they will start charging transaction costs for each purchase. Therefore I have now switched to comstage MSCI https://www.comdirect.de/inf/etfs/detail/uebersicht.html?ID_NOTATION=26562449

    The TER is the same 0.20%., tracks the same index and under the free sparplane.

    You can edit the sparplane you already made by deleting the previous one and adding the new one. Not a big deal for a savy investor like you;)


    Liked by 1 person

    • Good catch! I wouldn’t have even seen that, as I didn’t get any notices about it. But when I went to change my Sparplan transactions, I did see iShares MSCI costing a 4.90€ charge.

      Now it’s all switched to comstage MSCI, so we’re allocation twins again. Thanks!!

      Still not a big fan of the comdirect platform, but that’s okay.

      Your investing info section is very good!


  2. Hey “Savvy Investor”, happy new year!

    I like the peace and justice thing – it’s much more interesting thing to be seeking than money. I am actually finding that over my blogging journey my interest in money is changing completely, and I am more interested in free time than cash. A lot of people in my role and beyond are obsessed with status as well, but my enthusiasm for status is heading in the opposite direction – I just want freedom to be able to do what I want to do rather than be a slave to my work!

    I’ll keep working on my quest for freedom (which unfortunately requires a bit of cash) and once my house renovation is done this year I will be more focussed than ever on becoming free.

    Thanks for taking the time to write your blog – it’s been great sharing the journey with you so far!

    Liked by 1 person

    • Thanks for your blog too! Nice to read you from the other side of the world. It’s funny that once us FIRE/Mustachian people reach a certain level of financial security, we change priorities quickly. I used to be more focussed on my career, but now I’m hardly interested because money doesn’t incentivize me anymore. Freedom 35 is certainly more important to me than how many KPIs I’ve achieved at work. 🙂


Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s