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Wallet With Euro Coins

My monthly Savings Rate report: June 2021

Having a newborn in the house really makes it hard to find the time to write. Luckily I do still find it -albeit less for now- and I’m happy I can share another solid month of savings with you.

A benefit to having a newborn, especially ours that has issues sleeping during the day, is that we limit our adventures outside for the moment. We still order delivery ones a month (sushi in June) and go out for drives more, but that’s about it. Add holiday pay to the mix and you get a Savings Rate that goes above 60%!

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Wallet With Euro Coins

My monthly Savings Rate report: May 2021

The May overview took way longer than expected thanks to the arrival of our little girl! When looking back at May, I originally thought this was going to be a difficult month in terms of Savings Rate due to the medical checks, but I forgot that the medical bills are a month behind so it’s actually June that gets the expensive ones. Additionally, the actual delivery is covered by my health insurance. So, how did May go in the end?

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Wallet With Euro Coins

My monthly Savings Rate report: April 2021

April was amazing! From both an income and expenses point of view, I achieved my best result in months. I continue the substantial savings I started in March in large part, thanks to my profit participation.
On the expenses side, my wife and I were finally able to limit our grocery bill a bit. The month changed right on time, though; on the 2nd of May, we are married one year, so that called for a celebration which of course means a higher food bill ;).

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Financial planning for our baby

With a baby comes not only a new family member but also an extra mouth to feed for the next 20+ years as well as an extra person to dress. In other words, there are some extra costs involved. This is all part of the game, but what is sometimes forgotten is to generate some extra income for him or her.

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Wallet With Euro Coins

My monthly Savings Rate report: March 2021

March turned out to be a good month for my Savings Rate.  While on the expenses side I spend a lot on the home and ownership part and again on food, I also received a nice extra on the income side thanks to evening deployments for work. I ended up doing a bit of work between 1 am and 3 am.

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Buying And Selling Second-hand Online In Belgium

With a baby on the way, there is a lot of clothes, furniture, and just “stuff” we have to get to properly prepare for her arrival in May. While this could be an endeavor that goes into the thousands of euros, there is a way to keep it manageable.

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Wallet With Euro Coins

My monthly Savings Rate report: February 2021

2021 really kicked into high gear this month. While we didn’t go on holiday due to Corona, we did make rather large expenses for something life-changing. I’m talking about the baby of course.
In February I made two large purchases for her arrival. We bought the stroller and the car seat. Especially the car seat is not something you want to save on. Next to that, there was also the second payment for our new bed. 3 big expenses means a very low Savings Rate. I was really close to my first negative month.

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Wallet With Euro Coins

My monthly Savings Rate report: January 2021

A new year, a new start of my monthly Savings Reports. Will this new start be a better one than last year or will it be barely positive like last year? time to dive into my January expenses and find out!
Unlike last year, we didn’t go on a holiday, so at least that big expense drops. Because of Corona we also didn’t visit family so gifts were limited as well. As for the income side of things, that was very good as well.

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Wallet With Euro Coins

My monthly Savings Rate report: December 2020

December, the month of Christmas and New Years’. Lots of celebrations meaning some bigger expenses. This wasn’t any different this year even with corona. We just did it on our own and just handed over the gifts outside. We went a little wild with food but my income was higher so it balanced things out a little bit.

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Wallet With Euro Coins

My monthly Savings Rate report: November 2020

This page can contain affiliate partner links to products that I purchased this month.

Another calm month. Both in terms of expenses and income. It will make for a rather concise monthly overview.
I am currently on-call again but because week 3 of my on-call is the first week of December, I will only get paid at the off the month so expect to see a bigger salary by the end of the year. For now, it’s my base salary.

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