The savings rate for December was amazing, mainly because of the total income, which surpassed all expectations. We had a small Christmas bonus, a massive payment of interest on a business loan (which we did not expect as it was supposed to have been reinvested into the existing load, but it will give us some extra cash to buy dividend stocks!) and various crowdfunding income.
The expenses where actually pretty stable, no major expenses for Sinterklaas (“St. Nicolas”) or Christmas. No other unexpected cost either. The main expense was daycare at a whopping ~€1600 before government benefits (the benefits have still not started arrived into our bank account….), but this was as expected.