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

Sometimes Things Don’t Go According To (My) Plan…

Soooooooo, last week I went into this stock buying frenzy. Which was awesome! I swiftly wired a lot of money to my brokerage account and got things going. I bought a lot of stocks at 55/56 euros each. Woot!

However, the hubby wasn’t able to wire a lot of money that fast to his brokerage account. He managed to buy extra stocks at around 55/56 as well. However, when the larger chunk of his money arrived, prices had gone up already….and he chickened out! Argh! So now he wants to go back to the original plan and stick to investing chunks on a monthly basis. Damnit! We were so close to lump sum and finally getting it all in there.

Oh well, sometimes things don’t go according to my plan.

I am curious as to how much we managed to invest in percentages. I’ll get to that this evening.

Love,

Mrs EconoWiser

Crash?!?!

Long time, no hear. I know! I felt like I didn’t have that much to add to the wonderful blogging community already out there. Plus, I was in survival and minimalist mode anyway. We purged our home Kondostylish, which was a bit of a challenge with the two little ones. We are now well on our way and most of the things on our to-do-list are done! Yeah! Oh, and tomorrow I’ll start something that’s called work again…

Anyway, I’d really like to talk about the stock market!!! Woopwoop! We lots thousands of euros this past week….and I’m thrilled and happy and excited I just want to get up and dance. Why? Am I a complete nutter? Perhaps, but ladies and gentlemen, STOCKS ARE ON SALE!!!!

Let me repeat that: STOCKS ARE ON SALE!!!!!!!!!!!!!!!!!!

Aaaaaaaaaah, this is what I used to feel during the end of season final sale for clothes, shoes and other crap. The big difference is that all the crap I bought on sale then is worth nothing now. Whereas the stocks we have bought and will buy shortly will be worth so much more a couple of years from now and will bring us FREEDOM, baby, yeah!

The husband and I have now decided to wire all our investible (is this a word?) money to our investment accounts and start buying VWRL in large chunks. Oh, yeah! And we’ve also made a pact that if we think stocks are still a good deal, we could use a part of our emergency fund (the amount we set I find too high anyway…the hubby likes to play safe) and throw that at the stocks sale as well.

Jlcollinsnh (need to find the specific article in order to place a link, it’s somewhere in his wonderful stock series) thinks a crash at the start (well for us, that would be a bit further than the beginning, but ok) of your investment career is the best thing that could happen to you. Again, thank you very much, Uncle J.!

I am not clairvoyant. I have no idea whether this is actually the start of another crisis, I don’t know how long things will last, I have absolutely no clue what forces cause ups or downs in the stock market. I do not give any advice, you are responsible for your own choices.

I’m off, buying more stocks.

Hasta la vista, baby!

Lots of love,

Mrs EconoWiser

P.s. As a matter of fact, I think the hubby and I are going to do a little happy dance tonight. Freedom, here we come!!!

July Numbers

Woops, forgot to publish these!

July 2015
Mortgage: 33.93% (+0.15)
Emergency fund: 327.3% 313.2% (-14.1 because we invested a bunch)
Stash (=EF + stocks): 19.15% (+0.30%)
Savings rate this month: 47% (Almost 50%!!!)
Savings rate this year: 44% (hoorah!)

Lots of love,

Mrs EconoWiser

Last Month’s Numbers

Dear all,

May 2015
Mortgage: 33.62%
Emergency fund: 307.5% (+11.5%)
Stash (=EF + stocks): 17.9% (+0.6%)
Savings rate this month: 54% (YAY!!! due to my “holiday money”, we’re still waiting for our annual tax return. So June should be a lot of fun as well.)
Savings rate this year: 38% (40% here we come!!!)

Love,

Mrs EconoWiser

P.s. Yes….two kids under 1.5 years old IS a lot of work…and a lot of fun!

Another Mortgage Conversation

Remember it would cost us €25.000 to change our mortgage. Well, we threw that offer in the bin. However, some banklady phoned and asked us whether we were still interested in a meeting to talk about our mortgage. I told her the fine was too big. She was shocked at this number and was sure something was wrong. She knew for sure she would be able to get us a better deal.

Today we had a meeting via Skype, very handy with two little ones in the house. This time around another bank employee calculated an €18.000 fine. Ehm…right. The interest rate for five years she was able to offer us was as low as 1.9%! Wonderful! Strange thing is that our monthly mortgage payment would go up a little, even though we now have a 4.35% deal. This is because we have this savings mortgage deal….difficult to explain to the non-Dutch. They’re not available anymore….but we’re stuck with one! (unless we move houses, that way we can get rid of it without the fine)

Oh wel….this means that we can’t use our excess money to throw into our mortgage. Our other options are (unless we want to spend it on useless shit…) to either save or invest. We’re all for the latter, yet again!

Lots of love,

Mrs EconoWiser