September was a good month from a social perspective. We had a great weekend getaway in Centreparcs with lots of family (the grandparents rented 3 cottages for 3 nights). Miss CF greatly enjoyed the waterpark and slept like a baby (again) in the hours afterwards. Lot of fun with the big diners and lunches, as well as the mini golf and petting zoo. Both of us also had some time to relax, life was good!
Another fun event was a local flower parade/carnival parade in the town where Mrs. CF grow up (totally free to visit). This year did not disappoint either! Great laughs all around.
As to the financial side of September, here is a quick overview:
- Mr. CF officially changed companies (still the same work/position with the same company, but now it’s no longer a secondment). This had a big effect on the income as the payment schedule changed from a once per month to a once per 4 weeks. In short, income for Mr. CF was considerably lower this period (only got about 55% of what normally comes in);
- Mrs. CF did not have her expense claims paid before the end of this month, resulting in a reduction in income for the month of September;
- Income (principal and interest payments) from crowdfunding loans is now starting to exceed €150/month;
- Income from the new rental units is now starting to come in, but we should receive the first full payments as per late October/early November;
- We purchased glass and paint for the new windows, which will replace the old ones (~€350);
- Groceries & grooming a bit above normal at around €425 (partially caused by the B-day party for Miss CF);
- So were costs for day-care and kids related expenses (~€1100, including benefits);
- The weekend getaway was completely paid for (except some food and fuel), the parade was free too and the fairground rides for Miss CF were paid for by grandma, so no travel & leisure costs this month;
- We sold an double bed that we had purchased for friends whom were staying over in August, made €30 of the resale! We were initially wanted to keep it for ourselves, but decided not to as our own bed was still good enough. Smart move, as we made some money on selling it. This is also causing the negative percentage on the other category (it’s an negative expense); and,
- The invoice for the webhosting and domain name for Cheesy Finance pas also paid this month (~€84)
So the saving rate for September ended up being relatively low due to the temporary lack of income and expense payments, which will correct itself in future months when there will be a double income in the same month due to the new 4 week pay periods and the expenses will be received. Still we ended the month with a respectable savings rate of 43.4%. See below for the usual graphs.
How was your month? Did you do well on you savings rate for September?