July was a fun and surprisingly busy month, both at work as well as socially. A financial overview of the month:
- We received our regular incomes this month and the expense claims and costs cancelled each other out. Nothing more, northing less;
- The crowdfunding income was €196 in deposits (combined interest and principle);
- Living and healthcare spending was (very) high this month due to the payment of the €977 deductible for the storm damage to our roof. Take this one expense out of the equation and we only had a slightly above “normal” month;
- The transport costs were also well above average with over €630 spent. The primary cause was obviously the major maintenance service done on our practical family car. There was a “positive” note side to this bill, as it came in lower than expected. Primarily caused by the fact that there was nothing found during the maintenance. We like that!;
- Grocery costs were also above below normal this month with a total of about €382. Not sure where this came from, as we did not do any special grocery shopping. Probably just how the weekends fell this month;
- The kid category was, as per usual, fairly stable. We only paid for day-care fees (net fees are about €953). We cancelled the day-care per the third week of September. As of October school and after school care will commence for Miss CF. We therefore have one more (higher) day-care bill and than it should drop significantly (albeit we don’t know by how much, still need to get the new prices);
- Travel and Leisure was about €122. Amongst others we took Mrs CF’s dad out for bowling and a pancake dinner (Miss CF loved it too), but there were many daytrips (think Amsterdam) and small (and frugal) events; and,
- The other category was about €184 (think cash, gym, computer related expenses, birthdays, etc.).
July 2017 Savings Rate
The savings rate for July ended up being 42,0%…ouch. The year to date savings rate is now 58,6% Still a badass gold saver!
Here are the stats:
If you breakdown our expenses for the month, the distribution looks like this:
August will again be relatively uneventful from a financial viewpoint. The only exception might be that we will make reservation for accomodatoin for a holiday at the end of September. We will likely go to Germany by car (perhaps it will also turn into a business trip too to check out Real Estate…but that’s not the primary plan!).
Did you also have a tough(er) month? Share your story!