A focus on my health and another lockdown(which our government is calling a ‘easter break’) really helped keeping the spending in check.
Income: 2 177,55 euro
Expenses: 1 280,60 euro
Savings: 899,40 euro or 41,26%
No gift from the parents so just my normal income from work which stood at 2 177,55 euro
At 1 280,60 euro expenses were pretty low in March. They would have been ever lower ha dit not been for some obligated things.
First of is off course the 1 100 euro that went to our joint account for my part of the mortgage, utilities, groceries and such ..
But my health insurance was also due this month. It cost me a grand total of 74,40 euro.
I also received my annual cost for the use of my Visa card: 22 euro. I know I could get a free card via Keytrade or Argenta but for the moment we are stuck at the big bank due to our mortgage and I am too lazy to get another bank account just to avoid this cost. I have been looking into prepaid credit cards. But I can only find mastercards with no anual fee. Since my girlfriend has a mastercard I prefer to have a Visa card. Coverage isn’t exactely the same for both and it has been to our advantage in the past to have access to both networks.
Mobile phone was only 1,20 euro as we had accumulated enough points to get a reduction.
New sport shoes to use on the rowing machine cost me 50 euro.
I needed a new cable for my headphone which set me back 10 euro. Also in the entertainment section: a game on steam for 5 euro.
Nothing for the Vespa as working from home has me almost not using it. I will need to fill up in April.
Rounding up the March expenses was 18 euro‘s spend on extra food. A better focus on my health kept the extra food expenses really low in March. Here’s hoping for a repeat in April!
Total expenses for the first three months now stand at 4 482 euro which means that on average I have stayed below my self imposed budget of 1 500 euro a month!
Average savings rate even hovers above 37%. Previous years this was more around 30%. this was off vourse for a full year so I will see if I can keep it above 30% for the rest of the year. My guess is savings will drop substantially once stuff starts opening up again.