Category Archives: Early retirement

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

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

 

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

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!

Last Month’s Numbers

April 2015
Mortgage: 33.47%
Emergency fund: 296% 
Stash (=EF + stocks): 17.3% 
Savings rate this month: 34% (we splurged on a new born photoshoot and another baby carrier, I had to pay “my own risk” health insurance…it’s a Dutch thingy)
Savings rate this year: 33% (+1%!!!! I am hoping for a 40% savings rate this year…but 50% would be awesome.)

From now on I’ll pick up blogging again…promise! 🙂

Lots of love,

Mrs EconoWiser