A history of saving

Here is a short summary of my saving rates over the course of the past 5 years; (I still have to work on the earlier years). Variations depending on real life events such as moving jobs…

A saving rate above 100% means I sometimes get a deposit back or some taxes back  which in some cases turns into a lot more savings than expected. On the other hand, catastrophic savings rates way below zero are also often tax related as tax amount are based on previous year income figure, which income might not be as good during current year when tax payment is due, all this happening in September:

Savings per month 2012 - 2016

2017 figures to be disclosed early 2018… stay tuned.