Search found 11 matches

by Wishmaster
Thu Jan 02, 2020 5:51 am
Forum: ERE Journals
Topic: Wishmaster's journal
Replies: 13
Views: 1786

Re: Wishmaster's journal

Gelukkig nieuwjaar. So far it's not to bad for taxes, for example in 2020 if you have € 100.000 wealth So things like savings, stocks and bonds not the value of your house or if you have have money saved for your pension (it needs the be a special blocked account) in 2020 you will pay € 373 wealth t...
by Wishmaster
Tue Dec 31, 2019 4:50 am
Forum: ERE Journals
Topic: Wishmaster's journal
Replies: 13
Views: 1786

Re: Wishmaster's journal

Super impressive expenses, with the reduced housing cost it sounds like you might be able to save about 1500 euro per month, that should quickly accelerate your FI path. Are you planning on pulling the plug as soon as your liquid stash can throw off ~800 euro per month or are you going to take it a...
by Wishmaster
Sat Dec 28, 2019 8:43 am
Forum: ERE Journals
Topic: Wishmaster's journal
Replies: 13
Views: 1786

Re: Wishmaster's journal

Time for another update, i don't expect any more income/expenses for this year. Average saving rate this year: 74.77% (76.49% if i don't count the mortgage pay down as expense) Biggest average expenses monthly: Gas for car: € 151.59 Mortgage: € 113.03 (around € 60 is for paying down mortgage) Health...
by Wishmaster
Mon Mar 11, 2019 6:45 am
Forum: ERE Journals
Topic: Wishmaster's journal
Replies: 13
Views: 1786

Re: Wishmaster's journal

Small update: My expenses for the first two months of the year where: € 854.09 and € 733.29. Biggest expenses: Morgage € 166.25 Gas for car € 141.89 Health insurance € 95.31 Groceries: € 82.04 (about € 20 less per month then last year, mainly because i try to buy less snacks) Net worth: € 171803 Ave...
by Wishmaster
Mon Oct 29, 2018 3:19 am
Forum: Money Questions
Topic: Investing in cash?
Replies: 31
Views: 5456

Re: Investing in cash?

I did, but i stopped about a year ago, still need some cash back.

I decided it's not worth the risk.
by Wishmaster
Sun Oct 07, 2018 2:39 am
Forum: ERE Journals
Topic: Dutch Journal berninger
Replies: 9
Views: 1355

Re: Dutch Journal berninger

I also live in the Netherlands. I think i will also save only enought to last till official retirement age. (I already get enought pensioen and aow) I think there will always be something like aow, because if not then what is the alternative? let all does people die? But i do think that aow will dep...
by Wishmaster
Sun Sep 30, 2018 4:55 am
Forum: ERE Journals
Topic: Wishmaster's journal
Replies: 13
Views: 1786

Re: Wishmaster's journal

Now that this month is over, i checked my saving rate for this year: 50.42% So it's getting slighly better. I mainly invest in VWRL (Vanguard FTSE all-world UCITS ETF), it has an TER of 0.25% It has 3200 stock holdings. I am thinking of switching to: IMEU (iShares MSCI Europe UCITS ETF EUR (Dist), T...
by Wishmaster
Sun Sep 30, 2018 4:28 am
Forum: Introduce Yourself
Topic: Hello
Replies: 5
Views: 2084

Re: Hello

orthodoxcaveman wrote:
Tue Sep 25, 2018 2:16 pm
Is it Wishmaster like the movie or wishmaster like the Nightwish album?

The Nightwish album
by Wishmaster
Tue Sep 25, 2018 11:56 am
Forum: ERE Journals
Topic: Wishmaster's journal
Replies: 13
Views: 1786

Re: Wishmaster's journal

Thanks for the replies. I made an error in my first post. Without home improvement my monthly average for this year is € 815.30 That's including € 90.42 for down paying the mortgage. My monthly expense are: Mortgage: € 167.18 (€76.76 interest, the rest is to pay down the mortgage) Health insurance: ...
by Wishmaster
Sun Sep 23, 2018 8:19 am
Forum: ERE Journals
Topic: Wishmaster's journal
Replies: 13
Views: 1786

Wishmaster's journal

I'm 37, single living in the Netherlands I have been at my current employer for about 4 years. I earn around € 2200 each month. I track every € i earn and spend in excel, started in 2012. My saving rate from 2012 till now is: 49.94% I bought a house in 2016, and spend around € 22000 on things like s...
by Wishmaster
Sun Sep 23, 2018 7:35 am
Forum: Introduce Yourself
Topic: Hello
Replies: 5
Views: 2084

Hello

I'm a 37 years old, single, from the Netherlands.

I have been reading this forum for a while now, and decided to make an account.

I'm not sure yet what my goal is, i get a pension at age 68, i know i don't want to keep working till then.