Wauw, already half way octobre and I still need to post my September expense report. I am really doing my sloth reputation honor this month.
Income: 2 036,42 euro
Expenses: 1 578,72 euro
Savings: 457,70 euro or 22,48%
Again a bit over 1 500 euro in spending. The overspend had one and only one reason: our holiday in lanzarote. Let me tell you, Lanzarote is not the cheapest place to go on holiday to. Could we have made it a more frugal holiday: definitely yes (think 55 euro submarine trip). Did I feel like it: nope! Honestly, I go on holiday so infrequently (this was my second holiday in 8 years) that being frugal while on holiday just isn’t very high on my to do list. It is at home, in Belgium that the biggest gains are to be made. And since I am lazy it is best to concentrate the few efforts I do there. Maximum gain for minimal effort is my motto.
The joint bank account:
Income: 2 608 euro
Expenses: 2 149 euro
Savings: 459 euro
We didn’t use the joint account to pay for anything during our holiday. It didn’t make that much of an impact on our joint spending as all fix costs off course remained.
Meal tickets only for the one month were 112 euro.
So total income 2 036,42 + 56 euro = 2 092,42
Total savings 457,70 + 229,50 euro= 687,20 euro which gives me a total savings rate of 32,8%