October 2017 Savings Rate

And we are back to “just above normal” with out October 2017 Savings Rate. After the unreal savings rate of September, we were bound to get off our new record high. But we did surprisingly better than I thought. So let’s look at the month of October form a household finances perspective.

Savings Rate Update
Savings Rate Update

October Finances

October was a very good month. Here is a short financial overview:

  • We received our regular incomes this month, the expense claim up to September was also recieved. We also received the quarterly childcare benefits (~€200). Still, the October income was slightly below the YTD average monthly income;
  • The crowdfunding income was back to normal with €207 in deposits (combined interest and principle);
  • Living and healthcare catogery was about €737 in total. This includes costs for mortgage interest, home insurance, healthcare premiums, utilities and home maintenance. November will be expensive as we have roof improvement work planned (totalling €1200); 
  • The transport costs were about average with €295 spent;
  • Grocery costs were again well above normal this month with a total of about €405. This included some shopping from the holiday in Germany that was booked in October;
  • The kid category is now at the “new” normal with about €570, which is primarily after school care (4 days per week) and some randon items for Miss CF;
  • Travel and Leisure was about €115. This included costs for a hotel we used on the last day of our holiday and a few outings for the remainder of the month; and,
  • The other category was about €260. This was very high due to a €95 restaurant bill (which was so worth it after 4 years of not going out to dinner with the two of us). Other expenses include a gym membership, some cash purchases and shoe repairs.

October 2017 Savings Rate 

The savings rate for October was a very good 68.2%. The year-to-date savings rate is now up to 63,6%. We are not going to make platinum for 2017, but we remain solidly in the badass gold saver catergory. 

Here are the stats:

October 2017 Savings Rate - Overview
October 2017 Savings Rate – Overview

If you breakdown our expenses for the month, the distribution looks like this:

October 2017 Savings Rate - Expenses
October 2017 Savings Rate – Expenses


Did you also have a great October? If you did, what made it a success? If not, what went wrong?


  1. I had a pretty good savings rate going for 2017, until I plunked 25K down on a condo vacation rental property. Went from 70% to 60%. Grrr… Still, not too shabby. You’re doing great there in the land of high taxes and excellent cheeses!!!

  2. Here is what crazy. I read about a lot of cost increases and “new” normals. And you STILL POSTED A 68% savings rate. Incredible stuff. One of these days when my wife and I travel to Europe, we will have to stop by and attend one of these meetups. They sound amazing.

    Take care,


    1. Hey Mr Tentacles, working hard to keep it up. But 2018 is going to be a whole lot different after 2 months of unpaid leave and a 9 week road trip through southern Europe! This will likely be the last year with such a good savings rate.

  3. Diepe buiging! Echt knap. Zag gister ook een foto voorbij komen op twitter over jullie snacks na 10 dagen geen boodschappen doen. Tja, dat is wel de manier :-).
    Wij hadden in oktober dierenartskosten en tandartskosten dus dan schiet het niet op. Maar dat maakt ook niet uit. Overall gaan we lekker en daar gaat het om.

    1. En, wanneer gaan jullie hem uitrekenen? Als jullie twee een beetje je best doen moeten jullie ons zeker kunnen evenaren (als jullie al niet nog hoger kunnen komen!).
      Oh, en die karige twitter foto ging over “snacks” niet over de maaltijden/fruit. Daar hadden we op gepland en waren we goed in voorzien! Moeten wel gezond blijven tenslotte 🙂

      1. Heb net even gekeken: 51% tot nu toe dit jaar. Onze zwakke plek is horeca. Even lunchen hier, avondeten halen daar. Dat is natuurlijk wel weer goed voor ons boodschappenbudget ;-).
        Maar er valt nog wel wat te winnen inderdaad.

      2. Dat is zeker niet slecht, sterker nog dit is eigenlijk heel erg goed als je bedenkt dat jullie vrij relaxed en luxe leven! Er valt altijd wat te winnen, vraag is of je dat wilt?

  4. Wow, you’re really doing an incredible job! I’m always impressed by people who achieve an average savings rate of 50% or more.

    We had a pretty solid October savings rate as well. Nothing similar to your 68.2%, but at least close to 50%.


    1. Hey David,
      I would not be too impressed, as I mention to Divnomics, we are not really “normal”. We have a great double full time income and spent (too?) little, as if we were still students. Most people we know think we are crazy, but they still like us (I presume).
      That being said, you are doing stellar yourself too with a savings rate of around 50%! Keep that up.

  5. Hi CF!
    Bedankt voor je update! ik volg de blog al langer en je hebt me geïnspireerd om ook te gaan bloggen.
    Zelf heb ik in oktober ook een goede maand gehad, met name door het afbetalen van een grote kosten post. Mijn savings rate is hiermee voor oktober op 48% gekomen, nog een weg te gaan naar jou 68% maar geef me even 😉
    gr. Mr Gezond

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.