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%!
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 ;).
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.
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.
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.
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.
Though it’s not really true if I’m honest. I took up three weeks of on-call at work resulting in a nice bump in salary this month. So my statement really only applies to my expenses.