Is This The Crash We’ve Been Waiting For?

The stock market is tanking! Yes!

The hubby is more and more inclined to throw even bigger sums of money at the stock market.

I’d love to get that emergency fund down to 100% and the rest invested!


Mrs EconoWiser

P.s. Right now our VWRL stocks have dropped under €50! For the first time in months! I’m going to transfer some cash to my investment account, ha!

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?


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!


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?).


Mrs EconoWiser

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


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!)


Mrs EconoWiser


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