We don’t feel comfortable (yet) to post our actual income and expenses, so we will provide our savings rates and our expenses ratio’s in percentage to give a bit of insight into our finances.
A percentage split of the expenses for November 2015 is provided below:
Here are some details on the expense categories.
Living Expenses and Healthcare:
- Rent
- Water/Gas/Electricity
- Insurance
- Home Maintenance
- Phones/Internet/Netflix
- Property Tax
- Healthcare Premiums & Expenses
Transport (car and bicycle – fixed and variable cost):
- Gas
- Insurance
- Maintenance
- Road Tax
Groceries & Grooming:
- Food and beverages
- Barber/hairstylist visits
- Diapers & assorted items
- Kitchen supplies (paper towels, plastic wrap, etc.)
- Toiletries
- Cleaning supplies
Kid:
- Daycare cost/benefits
- Clothing
- Toys/gifts/educational materials
- Other essentials
Travel & Leisure:
- Holidays (including weekend trips)
- Day trips
- Entertainment (excluding restaurant visits)
Other:
- Everything else (e.g. restaurants, cash, various fees, gifts, etc.)
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Our expense breakdown and categorisation is almost identical. Except that I break out lunches and coffees and restaurants. Food in general is by far the biggest (over) indulgence in our spending profile!
Worth mentioning that we’re using the Grip app from ABN Amro. What do you use to track and report?
The good old excel sheet 🙂
We pretty much do not do lunches, coffees and restaurants (especially not since we got Miss CF). But these are actually grouped in the “other” category. We tend not to save too much on food, while still being frugal where possible.
Nice FI blog! Although you’re not comfortable (yet) to post your actual income and expenses, this would be very informative for the readers. This is a nice start.
Keep the good work up, frugal living and investing!
DividendMill
Hello DividendMill,
thanks! We might start in the new year, we are still working on our new years resolutions 😉
Cheers.