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…
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?