It's always an interesting balance emotionally between stock market investing or paying off mortgage, it's definitely more profitable to invest, but it's emotionally comforting to be mortgage free!
ahh i know, that’s why i’m gonna do both ( but it would be so nice not to have that mortgage payment) mainly investing cause usual return 10% per year and my mortgage is like 2% interest ( it’s not going anywhere, still like 17 years left 😬)
Just one hint. As soon as I pay by card or internet banking, the app provided by my bank, has a quite good categorization algorithm. So it automatically categorize my spending and actually continuously learn about new payment behaviors.
ahh it’s so good! we have this kind of app for banking but it’s not really user friendly so every couple of days i just put everything in the spreadsheet [ also i love me some spreadsheets] app does save so much time and provides also just as good of an overview new payment behaviours? that sounds interesting
@@Psannaua Yes actually from the app I can just see the trends and categorization. For example how much I spent on specific categories every month. From the website I can also export the data in csv format, that I could also import in Excel. Nevertheless I agree that having a view on our spending we start being more conscious about what's happening with our money :)
Very interesting video! Always good seeing how others manage personal finances. I would be interested in a more detailed video of the savings. I can relate in many approaches to budgeting you mentioned.
I love the chair spin halfway through 😂❤😅❤
😁😁
It's always an interesting balance emotionally between stock market investing or paying off mortgage, it's definitely more profitable to invest, but it's emotionally comforting to be mortgage free!
ahh i know, that’s why i’m gonna do both ( but it would be so nice not to have that mortgage payment)
mainly investing cause usual return 10% per year
and my mortgage is like 2% interest ( it’s not going anywhere, still like 17 years left 😬)
Just one hint. As soon as I pay by card or internet banking, the app provided by my bank, has a quite good categorization algorithm. So it automatically categorize my spending and actually continuously learn about new payment behaviors.
ahh it’s so good!
we have this kind of app for banking but it’s not really user friendly so every couple of days i just put everything in the spreadsheet [ also i love me some spreadsheets]
app does save so much time and provides also just as good of an overview
new payment behaviours? that sounds interesting
@@Psannaua Yes actually from the app I can just see the trends and categorization. For example how much I spent on specific categories every month. From the website I can also export the data in csv format, that I could also import in Excel. Nevertheless I agree that having a view on our spending we start being more conscious about what's happening with our money :)
@@marcocasamassima389ah it’s nice, my bank doesn’t have it as easily accessible
Very interesting video! Always good seeing how others manage personal finances. I would be interested in a more detailed video of the savings. I can relate in many approaches to budgeting you mentioned.
i love watching others videos on personal finances too, i always get so much inspiration to manage my own ✨
will definitely do one on savings 💻