December Numbers

December 2015
Mortgage: 34.72% (+0.23)
Emergency fund: 100.02% (the 0.02% is interest received)
Stash (=EF + stocks): 20.09% (+0.13% YEAH! We passed the 20% mark!!! Multiply this amount by five and we’re FI)
Savings rate this month: 30% (Yikes, however…our mortgage payment for January was already collected this month, so we had two mortgage payments in December. It should relieve January 2016 off monetary pressure)
Savings rate this year: 40% (So, 40% it is!)

How did your 2015 fare?

Love,

Mrs EconoWiser

November Numbers

This post was long overdue…

November 2015
Mortgage: 34.72% (+0.23)
Emergency fund: 100.02% (the 0.02% is interest received)
Stash (=EF + stocks): 20.09% (+0.13% YEAH! We passed the 20% mark!!! Multiply this amount by five and we’re FI)
Savings rate this month: 21% (Bummer…the hubby bought extra days off so he was paid a lot less this month)
Savings rate this year: 41% (Hmmm, I’d like to keep this above 40% this year…50% seems a bit too adventurous for us right now…)

Love,

Mrs EconoWiser

September Numbers Revised

Hi friends,

So..,I forgot to include something in our September numbers.  Dividend was paid…and that’s income…right? However, I didn’t add that to our income…duhuh. Originally, these were the numbers:

September 2015
Mortgage: 34.40% (+0.29)
Emergency fund: 186.8% (-31.6% because we invested a bunch of stocks! Still…way too much cash for my liking….)
Stash (=EF + stocks): 18.76% (When will we pass 20%??)
Savings rate this month: 32% (Boohooh, October is going to be worse…we booked a holiday home for a week. However, that’s something we’re really going to enjoy! <3 )
Savings rate this year: 43% (Ok)

Now that I included the dividend paid, we managed to boost our savings rate to 35% that month. Woot!

From now on, I will always add dividend to our income. Our VWRL stocks pay dividend in March, June, September and December. Our Meesman stocks will provide dividend mid-year, however the dividend is reinvested automatically. That’s still income, right?

Love,

Mrs EconoWiser

Dear friends,

These are last month’s numbers:

October 2015
Mortgage: 34.49% (+0.09)
Emergency fund: 100.01% (we’re ALL IN investmentwise! WOOHOOH!!! As of now we’ll keep our emergency fund at 100% and invest all our surplus money on top of our monthly investments. Yeah, baby! Oh, and the 0.01% was interest paid on these savings accounts)
Stash (=EF + stocks): 19.96% (+ 1.2% due to the stock market! And: ARGH, just 0.04% shy of 20%!!!)
Savings rate this month: 37% (Hey, not bad as we went on a weeklong holiday! )
Savings rate this year: 42% (Hmmm, I’d like to keep this above 40% this year…50% seems a bit too adventurous for us right now…)

I am VERY excited about the fact that we’re already at 1/5 of our FI journey!

And even MORE excited about the fact that we are now ALL IN!!! Which means that we’ll keep our emergency fund at 100% (unless an emergency requires us to dig into that fund, I can’t tell you the number, it’s somewhere between 0 and 50K ;-) ) and throw all surplus money at the stock market on top of our monthly investments. Woohooh!!!

Lots of love,

Mrs EconoWiser

 

Last Month’s Numbers

September 2015
Mortgage: 34.40 (+0.29)
Emergency fund: 186.8% (-31.6% because we invested a bunch of stocks! Still…way too much cash for my liking….)
Stash (=EF + stocks): 18.76% (When will we pass 20%??)
Savings rate this month: 32% (Boohooh, October is going to be worse…we booked a holiday home for a week. However, that’s something we’re really going to enjoy! <3 )
Savings rate this year: 43% (Ok)

BTW, I’m starting to see that this whole process of decluttering, essentialism, minimalism, ERE, mindfulness and whatnot are all related to each other. It’s awesome! #personalgrowth <3

Love,

Mrs EconoWiser

Decluttering: Almost There…..And The Market Is At It Again!

In the rare moments I have some spare time to do something useful these days I choose to declutter. And the hubby is dragged into my new hobby, but he seems to be ok with that. We’re almost there in the sense that “there” means we went through all our stuff and tossed many things out. We still need to rearrange some things and we’re still in doubt about some stuff. I find it very intriguing that we seem to value our stupid stuff so much. I’m addicted to The Minimalists. I’m still a rookie, though.

This week our VWRL dividend was paid out. That, and the market is at it again. Last month the hubby chickened out…but he found faith and huge chunks of cash went to buying stocks. Next month it’s my turn and we’re getting closer to the point where we will have invested everything but our emergency fund. I’m very much looking forward to that. Oh, and I’ll be reinvesting the dividend, compound interest rocks!

Lots of love,

Mrs EconoWiser

August Numbers

August 2015
Mortgage: 34.09% (+0.16)
Emergency fund: 218.4% (-94.8 because we invested a bunch of stocks! Still…way too much cash for my liking….)
Stash (=EF + stocks): 18.18% (-0.97% due to loss of value in stocks)
Savings rate this month: 41% (Nice!)
Savings rate this year: 44% (Happy!)

Love,

Mrs EconoWiser