August was the first month since March 2019 where I didn’t save any money. In 2019 the reason was me buying a new car. In August a holiday was the rason for the negative savings rate. Below are the numbers:
Income : 2 212 euro
Expenses : 2 465,90 euro
Savings : -253,90 euro or – 11,48%
Income was my regular paycheck from work and a small anniversy gift from my parents. Small gift because they also helpt with some home renovation costs so I am not complaining.
2 465,90 euro is a big number but I packed a lot of fun in that amount.
I had my fixed amount of 1 100 euro to deposit in our joint account to pay for boring stuff like our mortgage, utilities, food and such. Mid month I had to deposit an additional 200 euro into the joint account because she was running low. We are in the midst of renovation our office room and usually do not keep a big balance on our joint account. I prefer saving on my personal account andmaking additional paiments to the joint account when necessary as opposed to a higher monthly contribution and saving on the joint account directly.
Another purely practical expanes was 36 euro for gasoline for the Vespa and a bit for the car (the car is usually paid from the joint account).
A bad expense was again extra food bought for 76,7 euro. You would think my monthly – shameful – confessions of my overeating would have me quiet this bad habit, apparently not …
A bit more joyeus was the 15 euro gift for a co-worker who had a baby!
And then the really fun stuff for me personally:
83 euro for a sauna visit (and lunch at the restaurant)
58 euro for the truss for my laser and smoke machine (shown in this picture)
22,50 euro for a game on steam
145 euro for a restaurant visit with the parents and the girlfriend
And finally: 730 euro for my holiday in Portugal. This amount covers my half of the plain ticket and our airb&b rental.
Without all the fun stuff i would have actually remained under budget for the month and I definitely prefer spending my money on all of this than on anther maintenance bill for the Vespa!