November was a calm month – maybe a bit too calm. Most years I try to escape somewhere warm around this time, but work forced me to move my trip forward to October. After two intense weeks in Asia, November felt like the complete opposite: slow days, quiet evenings and nothing particularly special, apart from a nice birthday dinner.
From a financial point of view, that kind of "boring" month can actually be very healthy. Fewer distractions, fewer temptations, and room to let the plan work in the background.
If you missed the previous chapter, you can read October's update here: Net Worth Update — October 2025 🎃.
Assets are still dominated by life insurance and crowdfunding, with small satellite positions in ETFs, stocks and crypto.
Debts keep moving in the right direction thanks to regular repayments and a very quiet month on the spending side.
I'm still slightly below zero overall, but the gap is shrinking fast. If nothing unexpected happens, I should cross into positive territory in December – the first time ever that my assets are larger than my total debt.
The portfolio itself hasn't changed dramatically since October. I didn't add any new money to crowdfunding this year and I'm letting existing projects run their course – even if some repayments are arriving with delays. The long-term goal is still the same: grow my ETF allocation step by step and stay focused on the next 10–20 years, not the next 10 days.
| Bucket | Amount | Note |
|---|---|---|
| Life insurance | € 46'395.89 | Long-term contracts |
| Crowdfunding | CHF 16'210.97 | No new money this year, waiting for repayments |
| Managed funds | CHF 8'600.00 | Swiss-based funds |
| ETFs | € 4'503.13 | Core long-term growth engine |
| Crypto | $ 1'580.65 | Small, high-risk satellite |
| Individual stocks | $ 1'683.05 | A few specific companies I like |
| Misc. | € 908.96 | Everything that doesn't fit elsewhere |
| Roboadvisor | CHF 370.45 | Tiny automated-investing test |
On the other side of the balance sheet, my debts are slowly shrinking. Nothing dramatic happened in November – I just kept paying what I said I would pay. That alone was enough to reduce total liabilities by more than CHF 2'600.
| Liability | Amount | Comment |
|---|---|---|
| Bank loan (CHF) | CHF 50'030.00 | Main Swiss loan, priority for extra repayments. |
| Credit cards | CHF 14'414.00 | Gradually moving down, no new big purchases. |
| Car leasing | CHF 13'852.80 | Fixed monthly payment, no surprise here. |
| Bank loan (EUR) | € 4'516.30 | Smaller euro loan, to be cleared once the CHF side is under control. |
Together these add up to CHF 82'813.10. The big goal is still the same: keep pushing this number down month after month, while slowly shifting more of my assets into ETFs.
Because November was so calm, it gave me a good opportunity to step back and look at the bigger picture. There were no flights to catch, no airport delays, no unexpected hotel bills – just normal life. Debt repayments felt routine instead of stressful, and that alone is a sign of progress.
What excites me now is not a specific number, but the direction. I'm getting closer to breaking even, and once that happens I'll keep the same strategy: focus on long-term investing, increase my ETF share little by little, and avoid adding new "bad" debt on top of what I already have.
This article shares my personal journey and numbers. It is not financial advice. All amounts are rounded to two decimals where necessary.