Joint account for couples

Living single

As long as you are single or in a partnership with no common household everything is easy money wise: you spend your money,
your partner spends his or her money. Done!

But wait! What happens, when you eat in a restaurant together? Do you split the bill or do you pay this time and your partner will pay
the next time? What happens when your partner just earns less than you do? Or the other way around?
Do you pay two times in a row and then your partner will take his/her turn? Pretty dull, huh?

Moving in together

Say you are in a long term relationship and you finally make the move and move in together.
In terms of money it gets even more complicated: you pay rent, fill your fridge together, use you cars together.
How do you split it up now? “You pay the rent and I pay the gas? You pay the insurance and I the pay for the food?”
Or do you split the rent and wire it half and half to the landlord?
How do you keep track of the overall splitting thing? Do you write it down? What happens when you have to drive more or gas gets expensive?

Joint Account

Continue reading “Joint account for couples”

Individual sustainable lifestyle tips


It’s tough! Believing in the 1% improvement thing / atomic habits I would start small but consistent. And also believing in the Management 3.0 experimenting culture I would run experiments. Some ideas: Continue reading “Individual sustainable lifestyle tips”

The 10-3-2-1-0 Rule

The Rules

10h before sleep – no caffeine
3h before sleep – no more eating
2h before sleep – no more work
1h before sleep – no more tv / tablet
0 times snoozing the alarm clock in the morning

So when I want to get to bed at around 22:00 (10pm) my schedule would look like the following

  • 12:00 – stop drinking coffee
  • 19:00 – stop eating
  • 20:00 – stop working
  • 21:00 – stop watching Netflix / Prime / YouTube
  • Stop snoozing the alarm clock when it rings at 6:00

After one week my experience is this:

  • 12:00 – stop drinking coffee
    • good and easy to do, I drink one cup in the morning and at max 2 cups at work
    • positive effect on my skin picking issue
  • 19:00 – stop eating
    • not as easy, sometimes I’m late from work
  • 20:00 – stop working
    • no-brainer, I rarely stay at work after 19:00
  • 21:00 – stop watching Netflix/Prime / Youtube
    • hard, hard, hard, at the moment I practice guitar / piano from around 19:30 till 21:00
  • Stop snoozing the alarm clock when it rings at 6:00
    • not working I still snooze between 2 to 5 times, so I get up at 6:30 minimum

Some tweeking

I shifted my sleep time from 22:00 – 6:00 to 22:30 – 6:30

  • 12:30 – stop drinking coffee
  • 19:30 – stop eating
  • 20:30 – stop working
  • 21:30 – stop watching Netflix / Prime / YouTube
  • Stop snoozing the alarm clock when it rings at 6:30