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
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
don't tell anyone you're saving as much as you can
which are real saving tips, which are not ?
finally I am wrapping up 2016...
Yes I am spending more time than I should on my personnal dashboard. First off I like it. It's never been easier to get you hand on some tutorial on-line helping you with pretty much every construction steps on Excel. I also use Excel at work so it makes it easier I guess to start … Continue reading The benefits of a dashboard
I just saw a YouTube video about how some people managed to use the same vehicle for years, replacing parts and going 1 million kilometres/miles and more, I have no idea if this could work with the little black Peugeot I have now, but it is certainly a very good idea to retain in order … Continue reading About my car
I have only managed to contain my belongings to more or less the volume of a small car mostly because I travelled and relocated so it would have been impossible to do otherwise, therefore I don't feel very qualified to speak on the matter. But I still have my own little theory about it, here … Continue reading Frugality
My 10 years bank statement database It's taking a while to crunch all these figures that I don't know now if this was a good idea in the first place, however, making all these analysis is quite fun, feels like diving in my past, rememebering what I actually did, where I went; ok not as … Continue reading In the making