My monthly Savings Rate report: March 2020
This page can contain affiliate partner links to products that I purchased this month.
87.10%
- 01My monthly Savings Rate report: October 2019
- 02My monthly Savings Rate report: November 2019
- 03My monthly Savings Rate report: December 2019Apologies for the late update. I was enjoying the transition from old to new in a different country ;) (more on that on that later). December was a busy and expensive month.
- 04My monthly Savings Rate report: January 2020January update comes after a fun but tiring month. It started where December ended, in Istanbul. It then ended in yet another country: my girlfriend's home.
- 05My monthly Savings Rate report: February 2020This February update is finally a lighter one. The start is the end of my trip to my fiancee's home country. After this, things have remained relatively calm beside the occasional date night. We saw "Little Women" for example. Unfortunately, my Savings Rate still isn't above 50%.
- 06My monthly Savings Rate report: March 2020Well, this was an interesting month for obvious reasons. The Coronavirus really took a hold of the world this month after it caused a lockdown in China. It's not exaggerated to say the coronavirus has the world in its grip.
- 07My monthly Savings Rate report: April 2020April was the prelude to a life-changing May. Quite a few preparations were made in April for a big moment in May so it's only a given that some money was spent. Add to that the higher grocery expenses due to the corona measures and you can already guess that April wasn't a cheap month. Luckily I received my profit participation which prevented me from going negative.
- 08My monthly Savings Rate report: May 2020As eluded to last month, May was a life-changing month. I even received a little surprise windfall at the end thanks to my grandmother's inheritance. With all of the preparations done in April, May was relatively calm in terms of expenses. This further improved my Savings Rate and pushed it to an all-time high.
- 09My monthly Savings Rate report: June 2020After a live-changing May, June was a lot less crazy. That is not to say that nothing happened in June. I actually invested quite a bit in the site. These investments made my SR drop but thanks to my holiday pay, I was able to keep the damage to a minimum.
- 10My monthly Savings Rate report: July 2020If I had to describe July in one month it would be 'fun'. Bit of a weird thing to say during a pandemic, no? Thanks to a couple of trips and celebrating my wife's graduation from her Master (yeaaaah! well done!) we were able to forget the return of the coronavirus.
- 11My monthly Savings Rate report: August 2020August was a bit more expensive than expected. Mainly because the summer sales got moved to this month. I tried my best not to fall for the tricks they try to apply every year and I think I succeeded very well. But even then, I did buy a few things I needed.
- 12My monthly Savings Rate report: September 2020Higher medical costs, a major milestone with my apartment, and continuous investments in my blog, that is a good summary of September. All of this and more gave me a good but still not amazing September Savings Rate.
- 13My monthly Savings Rate report: October 2020Nothing happened! A strange thing to be excited about, right? Well, after quite some busy months, it's a nice change of pace I'd say. Though it's not really true if I'm honest.
- 14My monthly Savings Rate report: November 2020Another rather 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 the last week is partly in December I will only get paid at the of the month so expect to see a bigger salary by the end of the year. For now, it's my base salary.
- 15My monthly Savings Rate report: December 2020December, 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.
- 16My monthly Savings Rate report: January 2021A 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!
- 17My monthly Savings Rate report: February 20212021 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.
- 18My monthly Savings Rate report: March 2021March 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 nightly work between 1 am and 3 am.
- 19My monthly Savings Rate report: April 2021April was amazing! From both an income and expenses point of view, I was able to achieve my best result in months. The Belgian government played a huge part in this. Of course, cutting expenses helped a lot as well giving us this splendid SR. Or am I cheating a bit?
- 20My monthly Savings Rate report: May 2021The 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?
- 21My monthly Savings Rate report: June 2021Having 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.
- 22My monthly Savings Rate report: July 2021Wow, what expensive this has been. I honestly never would have thought that July would net me 0 euros! Where did all my money go this month?!
- 23My monthly Savings Rate report: August 2021With the end of August, we can almost say goodbye to summer. This year that's not such a bad thing with a sluggish summer not giving many possibilities to go out and corona still around us. Luckily, this did positively affect the Savings Rate, which is well above 50% this month.
- 24My monthly Savings Rate report: September 2021My September reached an extreme expense level. And it's all due to one thing: plane tickets. I recently wrote about why we decided to buy plane tickets at arguably the most expensive period to fly, especially international. Because of this major purchase, my expenses skyrocketed and made me go negative for the first time since I started blogging. But, it's not the only thing that pushed me over the edge.
- 25My monthly Savings Rate report: October 2021With October passed, we are well into the last part of the year. It means I'm getting closer to my trip abroad and thus the first flight with our daughter. Because it was calm and some nice extra income, our Savings Rate greatly recovered.
- 26My monthly Savings Rate report: November 2021November 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.
- 27My monthly Savings Rate report: December 2021December 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.
- 28My monthly Savings Rate report: January 2022January, the first month of a new year. A fresh start, and what a start? There were some surprises this month I didn't foresee. Some with a positive, some with a negative impact on my portfolio.
- 29My monthly Savings Rate report: February 2022February, the shortest month of the year is already behind us. The invasion of Russia into Ukraine this month is one for the history books. The only question is, how? Will it say that Russia won or Ukraine? And how will all of this impact the world, both humanitarian and economic? Against the backdrop of this hectic tragedy, I share my monthly expenses.
- 30My monthly Savings Rate report: March 2022Quarter one of 2022 has passed with the end of March. Time seems to be flying by faster and faster as I get older. At times I'm happy about this, such as the current state of the world. I hope that as time progress there is light at the end of the tunnel. But at other times I just wish it didn't, like when I'm playing with my daughter. To help pass these relative times I receive a monthly salary from my employer, and this month is no different. Let's take a look at how I managed it this month.
- 31My monthly Savings Rate report: April 2022Apologies I haven't been able to post much in recent weeks, but a lot has been going on. In the meantime, I found some time to provide you with my monthly Savings Rate. Since we were abroad from the 21st of April till the 5th of May this report will contain a higher expense in the holiday category as I put everything I spend during my trip there. On top of that, some of the shared expenses weren't paid back yet increasing this months expenses.
- 32My monthly Savings Rate report: May 2022Apologies I haven't been able to post much in recent weeks, but a lot has been going on. In the meantime, I found some time to provide you with my monthly Savings Rate. Since we were abroad from the 21st of April till the 5th of May this report will contain a higher expense in the holiday category as I put everything I spend during my trip there. On top of that, some of the shared expenses weren't paid back yet increasing this months expenses.
- 33My monthly Savings Rate report: June 2022With a lot of things going on at the same time these past few months, I haven't had the time to write anything. As a result, this Savings Rate report is more than three months behind. Eventhough it's been so long, I still want to catch up and have a complete year overview by the end of 2022. To that end, I'm sharing the month of June. I saw some significant evolutions in terms of expenses due to some major changes in my financial situation.
- 34My monthly Savings Rate report: July 2022This month was a very tough one financially. I had to take out all the cash I had left to pay for the last bills of the apartment, which was not enough, but more about that later. Luckily, these are the last main expenses for the apartment. I even got the excellent news someone has already rent it out, starting in September, for €1250. Besides the finalization of my apartment, this month is notable for another reason. It’s my last month as an employee!
My monthly Savings Rate report: April 2020
April was the prelude to a life-changing May. Quite a few preparations were made in April for a big moment in May so it's only a given that some money was spent. Add to that the higher grocery expenses due to the corona measures and you can already guess that April wasn't a cheap month. Luckily I received my profit participation which prevented me from going negative.
My monthly Savings Rate report: May 2020
As eluded to last month, May was a life-changing month. I even received a little surprise windfall at the end thanks to my grandmother's inheritance. With all of the preparations done in April, May was relatively calm in terms of expenses. This further improved my Savings Rate and pushed it to an all-time high.
My monthly Savings Rate report: June 2020
After a live-changing May, June was a lot less crazy. That is not to say that nothing happened in June. I actually invested quite a bit in the site. These investments made my SR drop but thanks to my holiday pay, I was able to keep the damage to a minimum.
My monthly Savings Rate report: July 2020
If I had to describe July in one month it would be 'fun'. Bit of a weird thing to say during a pandemic, no? Thanks to a couple of trips and celebrating my wife's graduation from her Master (yeaaaah! well done!) we were able to forget the return of the coronavirus.