General

General

Earning additional money – why optimization often brings more than a side job

Earning additional money – why optimization often brings more than a side job

Aug 26, 2025

Aug 26, 2025

pathway of trees during daytime
pathway of trees during daytime
pathway of trees during daytime

When money is tight at the end of the month, many immediately think of a side job. Working a few extra hours, earning something on the weekend – that seems the obvious solution. But on closer inspection it quickly becomes clear: the time investment is high, the burden increases, and in the end there is often less left than expected.

At the same time, many overlook that potential is already hidden in everyday life and in existing finances. Often the greater lever is not to work even more, but to make better use of what already exists.

Taxes – using legal deductions correctly

A classic example is taxes. Many people know the basic deductions but do not use all the possibilities the system offers. Contributions to pillar 3a can significantly reduce the tax burden. Anyone who plans their retirement provision cleverly not only saves for the future, but also keeps more money in their account immediately every year.

Especially in consulting, I often see that simple optimizations can amount to several thousand francs per year – without extra work, just through better knowledge.

Insurances – protection yes, over-insurance no

Another area is insurance. Almost everyone has policies they took out years ago and never reviewed again. Many pay premiums for risks that are no longer relevant, or have double coverage that offers no added value.

Here there is often immediately noticeable savings potential. Paying less does not mean less protection – but protection that matches your current life situation.

Investments – structure instead of chance

The same is true with assets: many invest without a plan or follow tips from acquaintances. This results in unbalanced portfolios – too much risk in one area, too little diversification in another.

A clear structure not only brings security, but also better results. Instead of trusting chance, your money is deployed so that it works for you in the long term. The result: more return with less uncertainty.

Why this is more sustainable than a side job

A side job can help in the short term. But it costs time, energy, and often quality of life. Optimizations in taxes, insurance, and investments have lasting effects – and they make your life easier instead of more complicated.

The goal should not be to work more and more, but to use your existing money in such a way that you achieve more with it.

My conclusion

Earning extra money does not have to mean spending evenings or weekends in a side job. Often it is enough to take a closer look at your personal finances. Those who understand where they are giving money away suddenly have more room to maneuver – without additional working hours.

This is exactly where my consulting comes in: I help you bring clarity to your finances and identify opportunities you have overlooked so far. Independent, transparent, and with the goal that in the end you can decide for yourself what makes sense for you.

In person or digital

Secure a free initial consultation

Let us analyze your financial situation together and develop a clear strategy.

In person or digital

Secure a free initial consultation

Let us analyze your financial situation together and develop a clear strategy.

In person or digital

Secure a free initial consultation

Let us analyze your financial situation together and develop a clear strategy.