Comments on: The Money Diaries: The 20-something ex-pat taking on the expense of her own apartment http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/ Personal finance blog for college students, recent graduates and everyone else -- including entrepreneurship -- for getting rich. Featured in the Wall Street Journal and New York Times. Sun, 12 Feb 2012 18:46:58 +0000 hourly 1 http://wordpress.org/?v= By: Richard | RichardShelmerdine.com http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-123069 Richard | RichardShelmerdine.com Thu, 15 Apr 2010 13:40:16 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-123069 Interesting article to be honest. It's always really fun to see someone elses system for dealing with finances even if its so different from your own. You can always learn at least one thing that will make a difference. Interesting article to be honest. It’s always really fun to see someone elses system for dealing with finances even if its so different from your own. You can always learn at least one thing that will make a difference.

]]> By: Shelley http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122936 Shelley Thu, 08 Apr 2010 00:57:25 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122936 @Thijs - shopping every day can be more expensive if you find yourself picking up more than you wanted just because you saw it that day. Jules was buying things that she said she needed (every day) versus making a list and shopping once. She also bought extra things just because she saw them. I am not saying that it is good or bad, but I know I would be picking up things that appealed to me in the moment in addition to the things that I needed. @Thijs – shopping every day can be more expensive if you find yourself picking up more than you wanted just because you saw it that day. Jules was buying things that she said she needed (every day) versus making a list and shopping once. She also bought extra things just because she saw them.

I am not saying that it is good or bad, but I know I would be picking up things that appealed to me in the moment in addition to the things that I needed.

]]> By: Jules http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122927 Jules Wed, 07 Apr 2010 11:45:29 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122927 @ Bryan: That's why it cost my boyfriend almost €1000 to sponsor me, and why he had to find a year's worth of pay stubs to demonstrate that he did, in fact, have a job, and did not rely on welfare (otherwise I would've had to find another sponsor)--because I don't qualify for welfare here. @ Bryan: That’s why it cost my boyfriend almost €1000 to sponsor me, and why he had to find a year’s worth of pay stubs to demonstrate that he did, in fact, have a job, and did not rely on welfare (otherwise I would’ve had to find another sponsor)–because I don’t qualify for welfare here.

]]> By: Bryan http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122925 Bryan Wed, 07 Apr 2010 03:18:09 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122925 I wouldn't build up a years worth of "disaster" savings like people are recommending. You live in a Northern European quasi-socialist country, I would just use other people's money if I lost my job, through employment insurance schemes and welfare. Make sure you know you qualify in advance first. For people who object to this: It's there because they voted for it, and she has it stolen from her paycheque now anyway. I wouldn’t build up a years worth of “disaster” savings like people are recommending. You live in a Northern European quasi-socialist country, I would just use other people’s money if I lost my job, through employment insurance schemes and welfare. Make sure you know you qualify in advance first.

For people who object to this: It’s there because they voted for it, and she has it stolen from her paycheque now anyway.

]]> By: Thijs http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122881 Thijs Tue, 06 Apr 2010 04:54:41 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122881 I'm Dutch, now studying in the US for this Academic year. I think comments roundup a pretty thorough of Americans and their perspectives on the world. Some are filled with cliches, stereotypes, and some are well thought through. That being said, the 40% goes to social security, taxes, retirement. The Dutch health insurance is completely different than the American, even after the reform (NL is way more social, strict and "less-liberal"). What she didn';t mention is that she might be getting money from the government to support her health insurance (although single, 2600 income might be too high socio-economical) commuting in NL is way different. everybody does it, and nobody likes it. Living in Belgium instead of NL will make a big difference in your expenditures. It might mean that your groceries will be cheaper (I have no clue, just a guess), housing is indeed way cheaper, but watch out with taxes. getting an accountant to figure that out will be a huge additional cost. Living together, marrying and such are topics and I am not going to discuss, except that views are different. The Netherlands is completely different, more liberal, and more independent. Overall, I think she's quite doing a good job. I can refer her to using a small bank as Binck to do online investment. great quality of service and cheap. AH is one of the cheaper grocery stores, and walkable. I don't see how doing daily vs. weekly shopping will save you money. everything is smaller in The Netherlands, and buy 10, pay 9 doesn't exist. To some commenters: look at relative costs, not at absolute. You have obviously no clue what you are talking about. (expenses and earnings per country differ, saying that x is way too expensive, too much or whatever makes no sense, since we dont have the full picture) (you'd almost think I read the book) I’m Dutch, now studying in the US for this Academic year.
I think comments roundup a pretty thorough of Americans and their perspectives on the world. Some are filled with cliches, stereotypes, and some are well thought through.
That being said, the 40% goes to social security, taxes, retirement. The Dutch health insurance is completely different than the American, even after the reform (NL is way more social, strict and “less-liberal”). What she didn’;t mention is that she might be getting money from the government to support her health insurance (although single, 2600 income might be too high socio-economical)
commuting in NL is way different. everybody does it, and nobody likes it. Living in Belgium instead of NL will make a big difference in your expenditures. It might mean that your groceries will be cheaper (I have no clue, just a guess), housing is indeed way cheaper, but watch out with taxes. getting an accountant to figure that out will be a huge additional cost.

Living together, marrying and such are topics and I am not going to discuss, except that views are different. The Netherlands is completely different, more liberal, and more independent.

Overall, I think she’s quite doing a good job. I can refer her to using a small bank as Binck to do online investment. great quality of service and cheap.

AH is one of the cheaper grocery stores, and walkable. I don’t see how doing daily vs. weekly shopping will save you money. everything is smaller in The Netherlands, and buy 10, pay 9 doesn’t exist.

To some commenters: look at relative costs, not at absolute. You have obviously no clue what you are talking about. (expenses and earnings per country differ, saying that x is way too expensive, too much or whatever makes no sense, since we dont have the full picture) (you’d almost think I read the book)

]]> By: JM http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122842 JM Sat, 03 Apr 2010 17:57:22 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122842 If at all possible, I would say to leave the money in your account instead of transferring every month to the US. 400 euros = $540 so even with interest you'll still be ahead. Try and transfer every 6 months to pay off the debt if possible so the bank that you are wiring from doesn't take a cut each time. There are probably even other options like PayPaling it to yourself (setting up accts for your Dutch bank and your American one on PayPal then transferring b/w). I would also be sure to know what's going on with your taxes, rather than complaining about 'socialism': http://www.belastingdienst.nl/english/individuals.html You might eligible for a bit of a refund though with residence status, even as a non-citizen, it won't be as much as if you were a non-resident. Good luck on moving - just went through the process myself again. Not fun, can be expensive. If at all possible, I would say to leave the money in your account instead of transferring every month to the US. 400 euros = $540 so even with interest you’ll still be ahead. Try and transfer every 6 months to pay off the debt if possible so the bank that you are wiring from doesn’t take a cut each time.

There are probably even other options like PayPaling it to yourself (setting up accts for your Dutch bank and your American one on PayPal then transferring b/w).

I would also be sure to know what’s going on with your taxes, rather than complaining about ‘socialism’: http://www.belastingdienst.nl/english/individuals.html

You might eligible for a bit of a refund though with residence status, even as a non-citizen, it won’t be as much as if you were a non-resident.

Good luck on moving – just went through the process myself again. Not fun, can be expensive.

]]> By: Порно онлайн http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122778 Порно онлайн Tue, 30 Mar 2010 15:07:17 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122778 Good post for himself learned many new things, thanks Good post for himself learned many new things, thanks

]]> By: Honey http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122770 Honey Mon, 29 Mar 2010 16:39:28 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122770 Haha, Cas, actually it's sort of funny (except for how gross the toilet was by the time I got to it!). Haha, Cas, actually it’s sort of funny (except for how gross the toilet was by the time I got to it!).

]]> By: Cas http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122767 Cas Mon, 29 Mar 2010 08:00:54 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122767 @Honey - don't worry I think most of us understood your original point, Anyway how could you be anything other than lovely with a name like "Honey" ;-) @Honey – don’t worry I think most of us understood your original point, Anyway how could you be anything other than lovely with a name like “Honey” ;-)

]]> By: Jules http://www.iwillteachyoutoberich.com/blog/the-money-diaries-the-20-something-ex-pat-taking-on-the-expense-of-her-own-apartment/#comment-122763 Jules Sun, 28 Mar 2010 13:14:41 +0000 http://www.iwillteachyoutoberich.com/?p=4194#comment-122763 @ DJ Wetzel: Hehe, actually the raw diet isn't all that costly, and it only makes up 1/2 of their diet these days--it actually costs more to feed the Tweeb (our renal failure-kitty) per month than it does to feed the other two, combined. @ DJ Wetzel: Hehe, actually the raw diet isn’t all that costly, and it only makes up 1/2 of their diet these days–it actually costs more to feed the Tweeb (our renal failure-kitty) per month than it does to feed the other two, combined.

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