January 2017 Cheesy Index

it’s time to talk about cheese: The Cheesy Index! These updates are so much fun to make, grabbing all the financials from all asset groups and seeing where we are on the path to FI.

January 2017 Cheesy Index

We ended 2016 with a record high 57.4% on the Cheesy Index. This was primarily due to a good stockmarket and lot’s of income in the last two months of 2016 (had very good savings rates too).

This month we are happy to report another increase! We are up to 58.2%, that’s 0.8% for the month. If we multiply that with 12, we should be able to add 9.6% to the Cheesy Index this year. If that were true, we would easily reach our target of 65% by the end of the year!

But it’s only January and we have not seen a market correction in quite some time. We are therefore very curious to see what will happen when a correction happens. Talking to other (non) bloggers about 2 weeks ago in Antwerp, the feeling appears to be horrible and you cannot really prepare (we have not lived through a correction that hit us financially). That does not boost well…

Exchange Rates

We correct our net worth (and therefore indirectly the Cheesy Index) for currencies. Each month we record the exchange rates at midnight of the last day of the month. These rates are used to calculate everything from wealth to dividends. We have been rather lucky in the last year as exchange rates have favoured our wealth number. But this cannot continue indefinitely. We are therefore anticipating a correction and therefore lower Cheesy Index growth rates this year. We still hope to reach our 2017 target, but we are mindful that the stockmarket and currency market need to be in our favour to make that happen. Our only benefit is our real estate, which does not fluctute as much. Time will tell!

How did you do financially in January? Did you also reach a record high?



  1. I love cheese! Especially if it’s linked to money like this 🙂
    Great progress so far. We still haven’t calculated our net worth (long to do list), so can’t tell how ours have been so far.

    Very curious about that correction though… Although we can’t predict anything, it might expose some very sweet buying opportunities for stocks!

    1. A correction is a double edged sword, on one side it is seeing lot’s of money “disappear” but on the other hand, it does provide a nice buying opportunity!
      P.s. Did you pass for you motorcycle theory exam?

    2. As long as you don’t sell, no money will ‘disappear’ 😉 (hopefully, it still stays very risky of course)

      And yes I passed my motorcycle theory exam! On to the next one.

      1. Congrats! On to the next one. Got my motorcycle license in Canada, unfortunately it is not recognized here….used to have a great 1600cc chopper :-).

  2. My hope is a flat stock market for the year so some air can escape from the bubble in an orderly fashion. It’s the popping of the bubble that hurts the most. But I lived through the dot com bust of 2001 and the 2008 meltdown. Not fun, but very interesting times …

    1. So far this month, currency rates appear to helped us to even further all time highs….. so not looking forward to when the turnaround comes. But such is life, cash flow on the other hand is so much more important.

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