September was a great month, both financially as well as personally (the holiday helped big time). Here is a short financial overview of the month:
- We received our regular incomes this month. Mrs CF’s large expense claim was delayed to October, so overall income from labour was slightly lower than normal;
- We finally received Mrs CF’s 2015 tax return! Glad to have this sorted and the extra almost €1600 was a very nice to have;
- The crowdfunding income was a whopping €515 in deposits (combined interest and principle), which is way above normal. This is due to a repayment of a one year loan + interest;
- Living and healthcare was uhm, negative this month (i.e. we “got money” instead of paying). Main reason is the repayment of surplus paid money for gas and electricity for the last year (got almost €900, despite having lowered payments twice last year). The repayment combined with low expense led to a expense of €-314 this month;
- The transport costs were well above average with just under €300 spent. But this was purely due to the holiday travels;
- Grocery costs were also above normal this month with a total of about €400. Also the result of the luxury holiday shopping;
- The kid category was very low this month due to the switch to going to school and after school care. We also to a bit too much reimbursement from the government, this will be corrected for October. Total costs were under €200;
- Travel and Leisure was only about €110. The main costs were covered last month and some will fall into October. Costs for fuel and food have been covered above; and,
- The other category was about €125. This was mainly expense for a gift, workout costs and some minor random expenses.
September 2017 Savings Rate
The savings rate for September was an insane 90,0% (no this is not a calculation error!). The year-to-date savings rate is now up to 63,0%. We are now solidly in the badass gold saver catergory.
Here are the stats:
If you breakdown our expenses for the month, the distribution looks like this:
Please note the negative percentage for living and healthcare, this is caused by the major return for G/W/E. Won’t happen again 😉
How did you do in September? Any unusual numbers for you too?