The husband is off to Austria. He’s on a rather expensive snowboarding holiday up to and including Sunday. So the only sensible thing for me to do after waving and kissing him goodbye was calculating last month’s and last year’s numbers, right? I’m such a geek these days! 😉
Mortgage: 31.08% (0.07% increase, I continue to hate the fact that we can’t make extra mortgage payments anymore…)
Emergency fund: 248% (4% increase)
Stash: 8.47% (0.33% increase)
Income to spending ratio this month: 79% (NOT fair since the mortgage was already taken from our bank account on 31st December 😦 Without that early mortgage payment it would have been 64%…but now we won’t have a mortgage payment in January 2014…yay!)
Income to spending ratio this year: 65% (bang on the lower challenge I set!)
Mind you, this was the year in which we went to Austria three times to have fun in the snow. We also bought some bits and bobs for our house and we spent dough on getting things ready for the kid. We went to a couple of music festivals and we treated ourselves to a two month indoor skiing membership during the summer. (Yeah, we like the snow) We also paid off the interest-only part of our mortgage. Furthermore, we saved a lot on groceries and we hardly went out for dinner or squandered money in likewise forms. We didn’t feel deprived of anything at all. I am actually rather proud of the fact that this year we spent 65% of our income compared to last year’s 84%! It’s all about spending money more consciously.
Are you happy with your 2013 numbers?