Category Archives: Uncategorized

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

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! ❤ )
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 ❤

Love,

Mrs EconoWiser

Cars…

To cut a long story short, we’re thinking of buying a Toyota Verso. They’re supposed to be super reliable and can easily reach 250.000-300.000kms. They’re very expensive second hand because the dealers now know how reliable they are. Well, it’s also a good thing they don’t devaluate that fast and are considered a very decent car. We were able to borrow one for the time being. It’s a 2006 version and it already has 238.000 on the clock and still going strong! Yep, we’d like one please! The “only” thing we have to decide is how much we’d like (errrrrrr….) to spend on a car. It depends on age and amount of kms already on the counter. We’re thinking about buying a relatively young car (not very Mustachian) and hope to drive it for the next 10-15 years or more if it gives us that (VERY Mustachian!). It’s going to cost thousands though….. 😦

Love,

Mrs EconoWiser

Identity Has Been Compromised

The reason why I haven’t blogged of late is that my identity has been compromised. A close relative used my computer for a short period of time and Econowiser was amongst the open tabs. This relative is very much into saving, so that’s okay. It’s just that…I feel like I have to weigh every word I type. I used to own a blog in Dutch about the same subject and when relatives found out about that all hell broke loose…and I shut the blog down.

What’s a girl to do?

Love,

Mrs EconoWiser

Taking Care Of Baby Business

Today we’re going to ask my brother-in-law and his wife to take care of our kid(s) if we were both to die before the kid(s) reach(es) the age of eighteen. They’re wonderful parents and we definitely agree with their parenting. Hell, we’d take parenting classes with them if they’d offer! I also like the fact that they are frugal people. So our norms and values would still be ingrained into our kid(s).

Of course they have the right to say no. In that case, we’ll have to reconsider which people we’d like to ask instead.

We’ll also have to go to our attorney and change our wills. That’s something we’ll do in a later stage. There’s still enough time for that part of the practical baby business thing.

How have you arranged these things?

Love,

Mrs EconoWiser