: thank you appreciated. And, you’re doing quite well yourself also.
: Yes, I say inspiring. And I could down further if I would be alone (in decision making). But, I need to compromise with the family sometimes (and they with me, ha!) We found a quite okay level where we’re all happy I guess. When I would not work/have more time, we could save some more. But the time it would consume is not worth the effort for me right. We’re working 40+26 hours and have 2 kids to entertain (or they entertain us maybe??).
Income 5953 (5429 regular income, 240 Interest, 284 CL sales)
Savings ratio 45% (average 12 months 63%)
2 x mortgage due to late debit in March. So nothing unexpected, it’s just messing up my monthly figures
Another 385 for the new kitchen. I still need to install it, but we got now almost all materials and equipment so no major expenses on this anymore expected. Without these special expenses the total would have been 2279 versus 2333 at the 12 months average. So I am not worried about the increased costs this month.
Income: the regular income was common. My pay raise came out net at 67. Some nice interest and CL sales of together a little over 500.
Decided to pay another 7K to our mortgage. Now we have to wait till next year before we can pay off another 10%.
Our net worth increased 3.9K to 323K.
The side business value, cash on bank account only, increased also by about 0.6K due to delivering an order and receiving a payment.
For the first time we jumped (slightly) into the PP 13 months ago we’re positive!
Bought some gold to re-balance the PP, but need to buy some more to re-balance correctly. Need to find some time to do so.
Bought 4 dividend growth stocks (well, I a hope it will turns out to be dividend growth stocks
). All just small investments.
Due to the investments and paying 7K to the mortgage, the Cash and savings account parts is decreased to 38% from 41% last month.
We save on average about 4K, where do I need to invest it each month??
Ehm..been busy (a bit) in the weekends to prepare to install our Kitchen. Hope I will be ready with in May.
I have been only in the office a few times this months. I was very busy with work and it was more efficient to work from home. Nobody noticed, my manager is not aware (he’s working from another continent). Furthermore nothing special I guess.
May finance forecast
Ah, May will likely be good for the savings ratio: DW and I expect the annual “holiday allowances”, roughly about 4K additional. So income in total around 9.4K. Also I expect to be reimbursed by my employer for € 400 so if nothing unexpected will happen, our expenses will likely be around 2K or even a little lower.
If that would come true, it would result in a 78% savings rate and our highest ever
and bring the 12 months average 1% up (down 2% this month..)
Well, what to say about. Anyone who follows my journal knows what to expect I guess.
Hope it is useful for anybody (it is for me, and I just like to keep track of it anyway
Questions, comments, feel free to write in my journal.