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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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Wallet with euro coins

My monthly Savings Rate report: November 2021

November was a hectic month. Corona is back from having never left, working from home is the default again and our daughter turned 6 (months). Most of these things didn’t have much of an impact on us personally -besides our daughter of course-, but financially it was a bit more expensive since we decided to use HelloFresh for the first time and we ordered takeaway twice. I also made use of Black Friday to get a headphone + microphone combo.

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