October 2016 Cheesy Index

As noted in September, the Cheesy Index got a bit of an overhaul to accommodate new knowledge about Dutch taxes. Because of this new information, we appeared to have signifcantly underestimated our Cheesy Index. Fortunately, nothing new this month, so we continue the slow but steady increase going forward. The Cheesy Index up to October 2016 is estimated at 53.9%.

We have been looking at the projected income, expenses and other items (including Mr. Market potentially not liking Mr. Trump for the remainder of the year), but we might still be able to hit 55% by the end of the year. But we do need Mr. Market to not do any really crazy stuff. Fingers crossed on that one 😉


Did you also see your overall portfolio increase in October? We sure hope you did!


  1. Nice job Team CF! You’re making wonderful progress. I am crossing my fingers for you that you make it to 55% by the end of year, but ultimately I hope you get to 100% as quick as possible.

    Our October was pretty uneventful, but we’ll see what happens in the next month!


    1. Thanks Tristan, the CI is heading in the right direction , that ‘s for sure.
      Uneventful months can be quite successful, don’t mind having a few of those on occasion.
      Will be check up on you 😉

  2. Wow, it looks like except for Jan and Feb, you hit >50% every single month. What an achievement! Kudos to you.

    To be honest, I have been so busy with wedding planning that I haven’t keep track of my saving rate. I’ll to see when I actually sit do my taxes. Seeing you doing this give me some motivation to do the same.


    1. Hi Vivianne,
      I’m in love with my excel sheets 😉 Good luck doing your yearly overall savings rate. When you live frugally on autopilot, you can technically do without the savings rate and/or budget anyways.
      We have had a pretty good year on the savings rate this year, hopefully we can keep that going next year too.

  3. Transportation and maintenance items are included in the expenses, not the savings. Although, from a cashflow perspective, we would utilize our savings to pay for large ticketed items.

  4. Congrats on the successful month! As it looks now, November will be even better. Although looking at the crazy moves and considering that we’re not evident in mid November, you just never know what can happen until the end of the month. Anything is possible and even the opposite of that 🙂

    1. Thanks, but honestly, we need to jack that up to about 7-8%. We are behind on target to make 17 years for our FI journey, based on our average savings rate of around 50%

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