Savings:
July 31: €2400
August 30: €2000
September 27: €1300
October 30: €1400
November 30: €1600
December 29: €1100
February 1: €1100
February 28: €1300
March 29: €1300
April 30: €800
May 29: €2300
June 28: €3500
July 31: €3250
Investments:
July 31: €1985.37
August 30: €2095.00
September 27: €2253
October 30: €2461
November 30: €2622.06
December 29: €2661.50 (didn't do the monthly transfer yet)
February 1: €3021,56
February 29: €3101,58
March 29: €3160,54
April 30: €3439.66
May 29: €3729.27
June 29: €3890.53
July 31: €4106.20
Total:
July 31: €4385.37
August 30: €4095.00
September 27: €3553
October 30: €3861
November 30: €4222.06
December 29: €3761,50 (+ 740 unpaid salary = 4501.50 )
February 1: €4121,60
February 29: €4401,58
March 29: €4460,54
April 30: €4239.66
May 29: €6029.27
June: €7390.53
July 31: €7356.20 ( + €70 on my credit card, so really €7426.20)
Goals for 31 December 2018:
Savings: €3000 €5000
Investments: €4500
Total: €7500 €9500
One year in this thread and my net worth has nearly doubled!! Seems like a lot of people are getting close to graduating! I know what a spendy month feels like, we had one too :( We had some unexpected repairs - but at least the electricity is working again - I bought about €150 worth of clothes, took a train trip nearly every weekend and then there's tuition / books coming up as well.
I'm not a spendypants when it comes to clothes, but I need to look presentable for work and my work pumps needed to be replaced. There's only one brand of heels I can tolerate wearing and they are around €100/pair, but considering how often I wear them, that's not an insane amount to spend.
I also had a special occasion that I bought a dress for, which was about €40 and the day after that occasion we received an invitation to a wedding. With the new dress and new shoes, I don't need anything for that wedding. I have a lovely vintage purse from the 60s that I got from my grandma that looks really nice with the dress. I also ordered another dress that I returned, which means I've got a +€70 balance on my credit card now. In my country, you can't use a credit card in the grocery store and and transferring the money back to my account costs money, so that balance is going to sit there until I order something else online. That slightly annoys me :)
From next month my savings are going to go up and down a lot. I'm starting a Master's and will pay tuition seperately for every class. I have also applied for a (0% interest) student loan for all these classes. I'm paying my tuition in full because there's a 5% fee if you pay in installments, but student loans are paid out in installments and only after you send in the invoice. This means it's good to have savings, even if your tuition is 100% covered by student loans.
( In this thread I'm only tracking investments and savings, so the student loans don't affect my progress here. I currrently have about €3k in student loans from undergrad and will add about €3-5k to that over the next two years, but my undergrad loans not due until next year, interest is close to 0%, and the minimum payment is related to income. We also have about €20k equity in our home, but I don't want to count my eggs before they are laid. )