Savings Rates

Phew, finally a really “normal” month. Besides some a bigger expense I made for discounted cinema tickets (102 EUR) everything else is the basic stuff like groceries a few times, a gift for my girlfriend, and some smaller snacks and alike during the weekend with my girlfriend. In total, I spend 653.55 EUR.

As far as my income goes, my only source was my employer who deposited 2853.74 EUR on my checking account.

Compared to the previous two months, April was more normal when it comes to expenses. I had a few unforeseen expenses which were medical related but with a similar root cause, a viral infection. One was to my right eye and then my gut. Though this is covered by the my profit participation that I received.

Thanks to this additional income through my employer, This month’s salary was a solid 5,616.98 UR.

As mentioned, on the expenses side, April was a more normal, though still high, month because some higher expenses for my doctor visits and a weekend trip to The Hague with my gf. I spend 977.12 EUR.

March is not completely over but I have no expenses planned for the last two days so without further ado I give you my SR of March!
This month’s income was only my day job income + a small extra for being on-call. It came in at 2797.58 EUR.

For my expenses, March was an expensive month due to the last expenses from my holiday in the Alps. I spend 1,057.64 EUR! As you can see in the image on the side, a big chunk comes from my yearly winter vacation (404.20 EUR). Another hefty sum comes from my registration for my blackbelt exam in a month and a half (126 EUR). Then, I have heavier fuel consumption because I drove a lot with the shared car to visit my GF and go places (114.97 EUR). Finally, my last “big” expense (that I will recuperate later) comes from my yearly dentist appointment where I had a starting cavity filled just in case (75 EUR).

These were my most noteworthy expenses and with my yearly winter holiday over, the next 9 months should be more in the 500 – 600 EUR range.

My February income was only my day job income + a small extra for being on-call. It came in at 2700.88 EUR.

For my expenses, February was a very expensive month. I spend 2464.24 EUR! This is the first time since I started this blog that I had such an “expensive” month. The majority comes from the paying of the invoice for my snowboard trip from 1 March till 10 March. It comes down to1095.01 EUR for the trip. This includes bus and hotel.

I had this planned about 5 to 6 months in advance so I knew it was coming, but having it visible like this, using the Savings Rate (SR) really shows that was barely able to save anything.  What I didn’t plan as much, or rather didn’t realize would have such a big impact, was my new snowboard. At 764.45 EUR it took out a big chunk of SR as well. Of course, just like my first snowboard, I will use it for the next 10 years.

Other noteworthy expenses were a budget for the first infographic (103 EUR) of my bog and progress stats in 2018 (look forward to this 😉 ) and electronics (182.87 EUR) with the purchase of a new SSD (154.36 EUR) and the game CIV VI (28.51 EUR).

My income for January, 3,408.41 EUR, came from different sources this month. The majority is still from my salary but this salary actually has a few extras for this month.
roughly 865 EUR gross comes from a refund of my cafeteria plan. I choose additional return on my pension fund through my employer and this got paid out this month.
Additionally, in January I receive a tax-free 35 EUR “new year’s gift”.
Other income this month comes from my side hustle, the remaining interest of my closed Moneyou savings account, and I sold a pair of headphone for 150 EUR.

On the expenses side this month, 989.56 EUR, was more than normal but I expected this. A good chunk comes from celebrating new year’s with my GF, and getting some stuff I had planned to buy for a while but never got to. The online business part is for all the expenses related to hosting my site(s).