I finally found some time to put together my mini reports about my personal spending for the past year of saving challenge. #BSRI update I am below spending budget (Woo Hoo!), I planned for around 20% savings, finally achieving right above 30%, my highest saving rate ever. However, despite more frugal than usual lifestyle, I … Continue reading 2017 wrap – up
10 months since I have taken the BSRI challenge, so where do I stand ? I have done OK I guess...
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 … Continue reading A history of saving
6 months since I have taken the BSRI challenge, so where do I stand ?
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