Nothing broke in January! After December, where almost everything broke I count this as a success! January, in my book, is the month where we, slowly, start to rebuild.

Income: 2 202,60 euro

Expenses: 1 661,30 euro

Savings: 541,30 euro or 24,6%

Income

The bonus unfortunately only comes once twice a year so it is back to the ‘normal’ income of around 2 200 euro. I have come to realize that getting to a higher savings rate is only acivable for me if I would increase my income. Then again, I usually am pretty close to savings 25% of my income which actual means I am allready financial free for 25% of my time without taking the stash into account since I only need to work three weeks to earn enought money to live four weeks. I find that a very comforting thought!

Expenses

Expenses stood at 1 660 euro. Part of me wants to say this is pretty good since it also covers 320 euro for a new motor vest and all weather motor pants. For the last year I have been making due with what I had but the broken zipper on my winter vest in December forced my hand and I finally purchased a decent motor vest. When (and that is a definite when, not if) I ever kiss the ground while going 90 km/h I will be very gratefull for the purchase. Meanwhile I am enjoying the added comfort during these winter months! The 1 660 euro also covers 100 euro in birthday gift for the godchild. Something I am happy to give and once our house is renovated am planning to greatly increase.

So that was the good part. The bad part is 128 euro spend on sandwiches at work and snacks for in the evening. The relaunch of the diet is not going all that well. I kind of crash and burned in this regard. I need to write about it. But a big part is the work situation. Which I also need to write about. But actually, the work situation is also THE reason why I have been blogging a lot less the last months because I come home exhausted and have 0 interested in sitting behind a PC at home as well. I will dive deeper into it in the next post I promise.

I actually have a few intersting tid bits to post about:

The work situation.

Buying a car.

Not getting a loan for the car because some credit organization somehow decided I am no good for a 7,000 euro loan. Even if my net worth is close to 350,000 euro and I save 500 euro a month!

And the really interesting one: how last year I lost 90,000 euro in the stock market. I’ll give you a very short recap of that one: leverage can be a bitch and yes it really hurts. Keep your questions for the actual post, even though most of it happened in February last year the wound is still a open hole of pain and misery. But also do not worry, I am fine!