Expenses November 2015

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


  • Daycare cost/benefits
  • Clothing
  • Toys/gifts/educational materials
  • Other essentials

Travel & Leisure:

  • Holidays (including weekend trips)
  • Day trips
  • Entertainment (excluding restaurant visits)


  • Everything else (e.g. restaurants, cash, various fees, gifts, etc.)


  1. 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!

    1. 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.

  2. 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!

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.