Copying the first numbers from another thread where I had already posted this:
I spend almost 2000 euro more this year than last year. I had to investigate where it went:
- a new fancy-brand tent, 800 euro
- a new smartphone, 300 euro
- a new refrigerator for the cabin, 450 euro
- financial contribution to keeping the shop at our cabin alive, 250 euro
- extra unplanned income taxes, 450 euro
- food, 400 euro
- home, 750 euro.
For home, I discovered that living in our house has become more expensive. I now pay for a property tax and I pay more for electricity, garbage, water and private road than last year.
I did save 400 euro on clothes and 400 euro on health related costs (doctor, dentist, medicine), compared to last year.
Total number for 2018, minus the following 2 weeks:
Nett income: 49,505 euro (working 80% from September, minus extra income tax from last year).
Expenses: 19,418 euro
Savings in the stock market: 42,150 euro (including some money we received from previous owner of our home, not registered as income)
Average spending per month: 1,618 euro.
By far the biggest spending posts:
Home: 5,000 euro (26%)
Food: 5,000 euro (26%)
Transportation: 4200 euro (21%)
Smallest post:
Clothes 78 euro (0.4%)
Spending 19,418 / Income 49,505 = 0,39. So I saved 61% of my personal income.
Mind that these are my numbers only, as DH doesn't track his expenses.
I buy almost all the food and most of the fuel, because I use bonus programs, which my DH refuses to use. I pay most of the bills for the house, because I have better automated payments. So I really hope that DH has spent a lot smaller mount of his higher income, so that our total savings rate will be higher. I will ask him to calculate his numbers in January. Last year we saved 75%, while working full time.
Our food spending is quite high. We make practically all the food at home from scratch. But we like some fancy ingredients, like good cheese, good stock and sometimes fancy croissants as a treat. Further, we live in an extremely expensive country. I normally buy the cheapest bread and the cheapest juice and carefully watch everything I buy, especially meat.
Next year, I need to spend some money on a new trousers. Yesterday I saw that I could see through my favorite pair, just beside the place where I patched it half a year ago. I could try to patch it even bigger, but I think the trousers are ripe for replacement.
Update: total household savings rate was 70%.