Cool, another month with “just above normal” savings rates. Not entirely expected, but we will take it! Here is the November 2017 Savings Rate.
November was another very good month. But also for an less fortunate reason. We wanted to have some work done on our house/roof. But could not due to the crappy weather. We have moved the appointment twice already as it needs to be dry. Dry and November don’t go well together! Go figure…. In short, the €1200 maintenance bill is postponed until further notice (just need dry weather AND availability of the roofing contractor, how hard can that be in December?!).
Here is a short financial overview:
- Due to receiving 4 weekly wage payments for Mr CF, you always have one month per year with 2 payments! November was it 🙂 . So we received a lot of money in November. No expense claims though or other extra income. We thus had a well above normal month from in income perspective;
- The crowdfunding income was below normal with €184 in deposits (combined interest and principle), some payments were received already last month (bank error);
- Living and healthcare category was high at about €1.016 in total. This includes costs for mortgage interest, home insurance, healthcare premiums, utilities and some minor home maintenance. We also bought 9 “wind participations” through our energy supplier (€440). This is a one-off charge (they use the proceeds to build a new windturbine) that provides a discount to energy consumption for the next 5 years. Call it a prepayment for green electricity use;
- The transport costs were way above average with €791 spent. The €500 deductible for the second windscreen this year really hurt (first one was free, but changed he policy earlier this year. Because how big is the chance of having two windows cracked/broken in one year……right?!);
- Grocery costs were again well below normal this month with just €281;
- The kid category was above the “new” normal with about €617, which is consisting of after school care (4 days per week, including benefits) and a one-off school fee;
- Travel and Leisure was €0. No money spent at all? Really?! Strange thing was that is was quite busy on the social front, but all free! How about that; and,
- The other category was about €170. Money was spend on some cloths, gifts and the gym for Mrs CF.
November 2017 Savings Rate
The savings rate for November was a very good 71.7%. The year-to-date savings rate is now up to 64,5%. We are definitely not going to make platinum for 2017, but the badass gold saver category “winner” is in the bag!
Here are the stats:
If you breakdown our expenses for the month, the distribution looks like this:
How was your November from a savings perspective?