So, February... (I'm not spending any money tomorrow, no travel needed and I have groceries at home).
Income posttax 2567 euros, expenses 2249 euros. That's a pretty lousy savings rate of just a bit over 10%. However, 600 euros were an annual contribution to a charity (I will get 40% of that back at tax time) and I also paid 240 euros for a full course to become a personal financial planner in the Netherlands.
Becoming a personal financial planner could become my second career, perhaps, or studying the material would just make me more familiar with all aspects of personal finance for myself and those close to me. I'm not sure yet. I like helping other people, and I like personal finance. I would want to be an independent planner (not associated with a particular bank or institution). But I'm not sure whether I'd like to deal with for example people who don't listen to my advice, or people who are going through some nasty divorce or something like that and want to have advice on how to handle that financially. I don't know whether the job would be fun enough to do (especially when close to FI or FI). I am by the way thinking about contacting a financial planner or two and asking them whether they can tell me more about it, or have me sit in with a few sessions.
I'm almost ready to bring all the paperwork regarding our taxes to my boyfriend's CPA (he has a CPA because he has a company; and the CPA does the tax paperwork for the both of us for just a bit of extra money; worth it to my boyfriend to avoid the hassle). I'm waiting for the paperwork from my job, they are late but sent out a message to all employees that we'll get it in the first week of March. I think I'll owe roughly 200-300 euros, so I'm in no particular rush to file...
A few days ago I first sanded and then refinished two tables at home. I'm really happy about one table that looked really shabby before, and now again looks shiny new and tip top. With the other one, there were some stains in the wood, and they are still shining through in the finished product. But still, it looks much better than it did before.
I have several DIY-projects for March:
1. paint the area around the fireplace in the sitting room. Lots of soot accumulated (it's not a very good fireplace), so it needs a fresh coat of paint.
2. sand and refinish a few parquet boards upstairs, where in the past I dropped some turpentine on them (I'm sometimes clumsy) so that they are partially bare now.
3. we have a room full of boxes with stuff and more stuff. I want to organize it. Most of the stuff is my boyfriend's and he doesn't want to get rid of it. But at the very least, it can become more organized. And the stuff in there that is mine can be sorted, and some of it sold/donated/thrown away.
1. Sort out our pots and pans, throw away the ones that are flaking, and perhaps buy one or two new ones that are truly missing from the collection.
2. I am going on a skiing trip with my family for a week, looking forward to that, except to the eight-hour road trip to and back from the skiing area in Austria. Oh well.
3. There's a pile of roughly ten dvds that I still have to watch, and then sell or donate afterward.
4. Reading some of the personal finance course material, of course.
So... quite enough projects for just one month. Let's see how it goes.