This Month’s Numbers…I Discovered A Dumb Mistake In My Excel Sheet…We’re Much Closer To FI!

Have I ever told you I am a blonde? ;-) In The Netherlands we have all these dumb blonde jokes…and I now feel like one…

September 2014
Mortgage: 32.55% (0.15% increase)
Emergency fund: 392% (4% decrease, due to money going towards stocks, stocks are not included in our EF since they’re not liquid assets)
OMG! I have discovered a mistake in my Excel sheet…. the formula only added our Meesman accounts to our ‘Stash and didn’t include our BinckBank account…. D’OH D’OH D’OH….I never added these accounts to the formula after we started to invest with Vanguard at the start of this year…let’s blame the pregger hormones ;-) Anyway….we’re closer to being FI than I thought….woohoo!
Stash (=EF + stocks): 15.14% (20% or 1/5 here we come!)
Income to spending ratio this month: 59% (yeah! Even with a couple of extravagent expenses this month we managed to keep our spending below 60%!)
Income to spending ratio this year: 61% (<60% here we come!)

I mean, seriously, how could I not have noticed this mistake for months? Luckily the outcome is a pleasant surprise.

I implemented the formula for all previous months of this year and here’s an overview of our ‘Stash:

  • January: 9.67%
  • February: 9.88%
  • March: 10.36%
  • April: 10.57%
  • May: 12.13%
  • June: 12.44%
  • July: 14.39%
  • August: 14.86%
  • September: 15.14%

Jeez, will we be able to double our ‘Stash this year? Okay, there was a windfall…but these numbers are extremely motivating, aren’t they?

Love,

Mrs EconoWiser

Currency Exchange Expense?

Today the VWRL dividends were paid and rolled into my BinckBank account. However, I expected to receive €0.25 for each stock. I got €0.24521 for each stock instead. Huh? I phoned BinckBank and they said it had to do with the exchange rate. Dividends are paid in another currency (dollars in this case) and then have to be converted to euros. So the announcement of the dividends being paid is more of a good guess…it could still be higher or lower.

Do you think the explanation this BinckBank employee gave me is the correct version?

It’s not the 15% dividend tax, which was his first guess (but those numbers didn’t add up anyway) before investigating the situation.

Oh dear, another effect to bear in mind…

The good news is: I bought another batch of shares. Yay!

Love,

Mrs EconoWiser

September Is “My Month” To Invest With Vanguard…Should I Wait For The Dividend Payment?

So, September is “my month” to buy Vanguard VWRL stocks. I know dividend will be paid at the end of this month. Should I wait for the dividend payment and automatically reinvest that, or should I invest the money now (and receive more dividend?).

Love,

Mrs EconoWiser

P.s. #pregnant #tired #hungry #fat … #BLESSED <3<3<3

57%!

August 2014
Mortgage: 32.4 (0.22% increase)
Emergency fund: 396% (2% decrease, due to money going towards stocks)
Stash (=EF + stocks): 12.86% 12.07% (0.79% increase due to investments and the bullish stock market)
Income to spending ratio this month: 57% (yeah! Even with the husband going to a 3-day music festival and spending lots on drinks and food)
Income to spending ratio this year: 61% (<60% here we come!)

Love,

Mrs EconoWiser

Sorry.

Sorry. A friend (37) suddenly lost her husband (40) this week. I went to the ceremony this Wednesday and cried my eyeballs out. Money matters were just not on my mind this past week. I hope I’ll be able to write you a post this weekend.

Tell your loved ones you love them…every single day.

Lots of love,

Mrs EconoWiser

Tired

Hi peepz!

Yeah, I’m alive and very pregnant! Our second baby is due around Easter next year.

I’ve just been so darn tired that I haven’t blogged for a while. I’ll write a couple of blogs this week and respond to questions.

Love,

Mrs EconoWiser

I Just Gave People Financial Advice…

And I loved giving it! They asked for my advice (which is something I should wait for instead of giving people financial advice who didn’t ask me for it) and I shared my view on their financial situation with them. It came down to: throw lots and lots of cash at your mortgage. (They’re an elderly couple with a mortgage that’s way too high for them…it’s higher than our mortgage, for cryin’ out loud!)

I really think I should become some sort of budget/howtohandleyourmoney/getoutofdebt type of coach person on a professional basis. It would just give me so much pleasure to help people out, giving genuine advice on how to handle their finances. The thing is…if I want to do this professionally I’d have to charge people money. However, asking people for money for my advice who are already in debt would make me feel rather uncomfortable.

So this is actually a very bad business model, haha!

I’ll go and think about this…any suggestions?

Love,

Mrs EconoWiser