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My monthly Savings Rate report: December 2021

December was, on all accounts, a special month. It’s, of course, the last month of the year, but also in terms of expenses and income. We traveled to South America to visit my wife’s family, the in-laws. Suffice to say, this had a major impact on my expenses but not because of the airplane as this was already paid for a couple of months before, no, it was groceries, a 4-day resort trip, and even some baby stuff.

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Curve card review

Curve Card Review: The best Card To Rule Them All!

My Curve Debit MasterCard has been in my possession for over a month now, so I figured I’d share my experience with everyone having it used both in Belgium and abroad (in South America). Eventhough it’s only been one month, this card has been impressive. Thanks to unique features and ease of use, it’s a must-have for everyone!

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Happy and healthy 2021

Happy 2022

Best wishes to all of my readers. May all your financial and personal goals be achieved this year. That we get at least one step closer to FIRE in 2022!

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MErry Christmas - Feliz Navidad

Merry Christmas 2021!

Merry Christmas (2021) to all of my readers and visitors to the blog. Have a wonderful but above all healthy holiday period.

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Is prinicpal payment a saving or expense?

One major item is never present in every monthly savings rate report: my mortgage principal payment. Omitting this one item makes the difference between having 50% or 30%. So, am I cheating by leaving it out? Today I want to go over the details of my mortgage payment and give a clear answer to this question.

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