Archive

Review archive by year

This page keeps the long-term history out of the homepage while still letting you revisit every monthly and quarterly review.

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Monthly review entry

Save the final monthly review here after deciding what should and should not count.

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Quarterly net review entry

Keep net-worth check-ins in the archive workspace instead of on the homepage.

Year 2026

2026 reviews

Monthly and quarterly reviews collected for this year.

Monthly reviews

2026-04-30

CHF 1'815 margin

Income CHF 6'350 • Expenses CHF 3'885 • Investments CHF 650

Expenses 61% • Investments 10% • Extra 5%

Fixed CHF 2'895 (46%) • Travel CHF 265 • Una tantum CHF 435

Notes: Good month, but the investing review still felt fragmented.

Good: Maintained savings rate above target and reduced low-value subscriptions.

Bad: Quarterly investing overview took too long to piece together.

Actions: Use the dashboard to update invested capital and current values at month end.

Insights
  • Una tantum spending was elevated at CHF 435.
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2026-03-31

CHF 1'825 margin

Income CHF 6'350 • Expenses CHF 3'950 • Investments CHF 575

Expenses 62% • Investments 9% • Extra 5%

Fixed CHF 2'910 (46%) • Travel CHF 290 • Una tantum CHF 405

Notes: Shared-account reconciliation still took too much manual effort.

Good: Fixed expenses stayed stable and side income boosted savings.

Bad: Shared account grocery reconciliation was still manual.

Actions: Log shared-account purchases weekly and review categories every Sunday.

Insights
  • Margin improved by CHF 200 versus the previous review.
  • Una tantum spending was elevated at CHF 405.
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2026-02-28

CHF 1'625 margin

Income CHF 6'200 • Expenses CHF 4'025 • Investments CHF 550

Expenses 65% • Investments 9% • Extra 7%

Fixed CHF 2'890 (47%) • Travel CHF 310 • Una tantum CHF 415

Notes: A few lifestyle purchases pushed the month up.

Good: Investment contributions stayed consistent despite a few surprises.

Bad: Bought tech accessories outside the planned budget.

Actions: Create a sinking fund for gadgets and delay discretionary purchases by 72 hours.

Insights
  • Margin fell by CHF 265 versus the previous review.
  • Expenses took 3% more of income than last review.
  • Una tantum spending was elevated at CHF 415.
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2026-01-31

CHF 1'890 margin

Income CHF 6'200 • Expenses CHF 3'810 • Investments CHF 500

Expenses 61% • Investments 8% • Extra 4%

Fixed CHF 2'850 (46%) • Travel CHF 280 • Una tantum CHF 420

Notes: Quiet month overall with good cost control.

Good: Stayed under travel budget and cleared one annual subscription early.

Bad: Restaurant spending spiked during a busy work month.

Actions: Cap dining-out at 250 next month and schedule a weekly meal prep block.

Insights
  • Una tantum spending was elevated at CHF 420.
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Quarterly net reviews

2026-Q1

CHF-22'813 net worth

Review date 2026-03-29 • Total active CHF 40'315

Main CHF 495 • Emergency CHF 19'890 • Investments CHF 18'790 • Crypto CHF 1'140

Debts: CHF 63'128

Notes: Debts still dominate the picture, so liquidity and repayment strategy matter most.

Good: Net worth grew steadily while liabilities kept trending down.

Bad: Shared account spending was hard to separate between personal and common use.

Actions: Tag every shared transaction as me, other, or shared.

Insights
  • Net worth dropped by CHF 53'633 since the previous review.
  • Debts increased by CHF 44'528 and deserve attention next quarter.
  • Liquid buffer is still light relative to debt, so resilience remains the key constraint.
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