6 months since I have taken the BSRI challenge, so where do I stand ? I have managed beyond my own expectations so far this first half of the year: My overall saving rate is close to 38%, hoping to maintain a figure above 30% as budgeted for 2017. I didn't went to extreme measures … Continue reading 6 months into saving
Two very minor changes recently occurred in my budget: I received a pay-hike of 40 EUR/month I cancelled a smartphone subscription of 20 EUR/month Well.. now you might be thinking it is not a tremendous change in lifestyle habit, not really close to a lottery winning ticket thing either... I am not really amazed by … Continue reading Budgeting adventure
I've talked earlier about different methods to do your own budget, clearly using a pencil and a sheet of paper and a calculator is the way to go if you are no too familiar with spreadsheets. Interestingly enough though, spreadsheets are not that new... Digging the past The first time ever you could use a … Continue reading Spreadsheets
How long before retiring, how much to save ? Two crucial questions that a bit of spreadsheet magic can help answering... Let say you start work at 25, with 35KE p/a, free of debt, and ten year later you manage to get paid 45KE p/a Your budget on average might look like this: Then we … Continue reading A few calculations
which are real saving tips, which are not ?
finally I am wrapping up 2016...
2016 year-end in sight, budgeting for next year already... well not really, 2017 is already done, I will look at 2018 figures, only by copy-pasting 2017 probably; that's the cool thing about automating the process, it takes less time. Still happy about doing my number crunching on Excel though, I am even looking forward to … Continue reading Next year
what's up / comment s'est passé le mois dernier ? Un bon mois de Novembre somme toute, avec un montant non négligeable mis de côté ce mois-ci qui vient compenser les dépenses importantes du à la réinstallation dans une nouvelle ville. Some good news this month, finally making up for previous months overspending due to … Continue reading November figures
Retour dans le passé sur toutes mes dépenses du quotidien Quelles sont les premières infos que j'ai pu tirer de cette base ? Au début pas grand chose, j'ai passé beaucoup de temps à tout remettre au même format car j'ai changé plusieurs fois de méthode en cours de route. So what could I get … Continue reading Where is the money gone ?