The half year mark. So time for a round up and see where I am at budget wise. But first the numbers for the month of June.
Income: 2 168 euro
Expenses: 1 520 euro
Savings: 648 euro
income bounced back to it’s normal number of around 2 160 euro since the weird holiday money from last year thing is now passed me. Since I have been on a fixed contract since november last year (which remind me that I really need to do an update on my work situation) there will be no repeat of that next year! Hooray for not having to deal with one of the most complex pieces of legislation in Belgium (holiday money, and number of holidays are really, really complex. Especially if you transition from unemployment/interim work to fixed contract).
Expenses are just above my self imposed 1500 euro mark. But an anniversary gift for a friend turned out more expensive than anticipated because the Belgian post office is a den of thieves! (A USA order clearly marked as costing 24 USD got magically priced at 64 euro with the import taxes to match it! Thieves I tell you!). I also pre-paid a festival for early September and had an honest to god restaurant visit. A motor shop had a sale out so I also paid 36 euro for so high quality gloves. I only need some descend rain resisted trousers now and I am all set for the next winter on the Vespa. Since I planned on starting fitness in July I also bought some sporting stuff: 70 euro for 4 work out t-shirts (a bit of a shame as I have plenty of work out t-shirts but for the moment they all fall in the ‘good to wear if I lose another 8 kg’ category. Sigh, on the other hand, if I do lose those kg’s t-shirt wise I am good for the next decade). Also got decent sport shoes for 40 euro and spend 40 euro on swimming stuff. So all good there. Listing it all up like that and I come to the conclusion I bought a lot for only 400 euro’s!
The joint account also came in under budget again. But everything left over there goes to the home renovations we are doing this year. But still, under budget for the core expenses is always a good thing.
6 month recap
Total income: 13 077 euro
Total expenses: 9 675 euro
total saved: 3 402 euro
Average income was 2 180 euro a month and average spending 1 613 euro. That is more than 100 euro above my 1 500 euro. The reason is simple: the Vespa. The 600 euro maintenance fee (and my monthly 40 euro gas bill) pushed my expenses higher. If I subtract all Vespa related expenses from my total I had an average spend of 1 455 euro! But I like riding the Vespa. I really, really like it! I even dare to say that most of the time it makes me happy (especially with the current weather). So I am definitely going to keep driving it. It does show that Mr Money mustache was right: riding a bicycle can help a lot to achieve a frugal live!
I did go with a fine comb through my expenses of the last 6 months and eliminating stupid expenses like sandwiches at work (which I no longer due to the diet but that only started in April) and the traffic ticket (stupid, stupid) would have brought my average spending to 1 545 euro. So on average I spend 60 euro a month on stuff that did not increase my happiness (or was downright bad for my health). I’ll try to do better on that front the next 6 months.
But hey, I am well on my way to save over 6 000 euro this year. So saving wise still good. Even after paying for the renovations on our house I should end the year with more savings than I started the year.