Finance has always seemed `abstract` to me and I genuinely did not think that having an expert like Keren-Jo Thomas would change my financial situation much but I now wish I had crossed her path years ago.  I had no idea I  could literally save thousands of francs per year.  I have been an expat in Switzerland for 10 years and was not aware there were solutions to better manage my finances and especially save money.  I highly recommend and thank Keren again for her expertise and her holistic view on tailoring solutions to fit my particular needs.