My Money Overview

I have decided to do things differently on this page. You can find the “old” numbers below. The new way of calculating the numbers goes something like this:
Mortgage: stays the same. I’ll calculate the percentage of our home we own
Emergency fund: we have a fixed number in mind, so that should be 100%. I’ll calculate percentages with that number in mind.
Stash = net worth: We have a number in mind on which we could completely retire early. I’ll calculate percentages with that number in mind. This category includes our investment portfolio, retirement portfolio and other assets which we can draw passive income from plus our home equity. Basically, our net worth in percentages of what we want it to be.
Spending to income ratio (monthly and annually):  I will calculate it according to MMM’s suggesting over here.

September 2020

Mortgage: 51.48% paid off (+ 0.23% )
Emergency fund: doesn’t really make sense to mention this one anymore so I won’t…let’s quickly look at the more exciting numbers
Stash (= net worth/FIRE percentage): 55.15% (-0.03% due to current market conditions…we just keep throwing money into stocks and stay the course)
Saving ratio year-to-date: 47% (I hope we can get this to 50% by the end of the year)

August 2020

Mortgage: 51.25% paid off (+ 0.47% it’s growin’ on me… 😉 )
Emergency fund: doesn’t really make sense to mention this one anymore so I won’t…let’s quickly look at the more exciting numbers
Stash (= net worth/FIRE percentage): 55.18% (+2.21% BOOM!)
Saving ratio year-to-date: 47% (I hope we can get this to 50% by the end of the year)

July 2020

Mortgage: 50.78% paid off (+ 0.24% slowly….but surely….)
Emergency fund: 137% (more towards VWRL, please!)
Stash (= net worth): 52.97% (+0.37% go stash!)
Saving ratio year-to-date: 46% (I hope we can get this to 50% by the end of the year)

June 2020

Mortgage: 50.54% paid off (+ 0.22% this has turned out to be my invisble shield and gives me the confidence to say “no” more often)
Emergency fund: 136% (aha, there’s more to invest!)
Stash (= net worth): 52.60% (+1.25% we received a nice sum of money since we received our annual tax return. Obviously, we immediately threw that into the stock market -> VWRL baby!)

May 2020

Mortgage: 50.32% (+ 0.25% I still can’t get over the fact that we own half of our home!)
Emergency fund: 150% (a huge chunk will be invested on June 2nd)
Stash (= net worth): 50.35% (+1.19% wooohoooooooohhhhhhh, we’re 50% FIRE again! We expect to receive a huge tax return at the beginning of June….60% FIRE here we come!)

April 2020

Mortgage: 50.07% (+ 0.24% wooooooooohooooooooooooooohhhhhh, we actually own 50% of our home!!! -> as long as we keep paying our mortgage that is…because as y’all know what happens if you don’t…)
Emergency fund: 136% (Due to Labour Day our mortgage hasn’t been collected by the bank yet….I expect they’ll collect it on 4th May…still there’s a lot of excess money that we can throw into VWRL, which we will)
Stash (= net worth): 49.16% (+3.39% uhm….I really don’t understand why the market is doing what it’s doing….whatever, just keep throwing money into VWRL)

March 2020

Mortgage: 49.83% (+ 0.23% we can smell that 50% mark, here we come!)
Emergency fund: 121% (We bought some toys for the kids as their birthdays came and went…without a party due to COVID-19)
Stash (= net worth): 45.77% (-3.43% fasten your seatbelts…..and stay the course!)

Februari 2020

Mortgage: 49.60% (+ 0.20% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 137% (We didn’t spend too much on our ski trip)
Stash (= net worth): 49.20% (- 1.87% oh dear…down it goes…and not being halfway there anymore sure hurts…)

Januari 2020
Mortgage: 49.38% (+ 0.24% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 131% (Mortgage is due tomorrow since the first of Februari was on a Saturday…that and we’re going on a skitrip at the end of this month so cash will come in handy)
Stash (= net worth): 51.07% (found a mistake in my Excel sheet, December should’ve been something like 52% or so…but still: halfway there!)

December 2019
Mortgage: 49.14% (+ 0.09% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 128% (VWRL we’re coming at ya!)
Stash (= EF + stocks): 50.72% ( + 0.50% being 50% FIRE feels GOOOOODDDD)
Savings rate this month: under construction
Savings rate this year: under construction

November 2019
Mortgage: 49.05% (+ 0.14% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 126% (we will max out both our pension funds and start throwing extra at our regular stock fund, which is VWRL)
Stash (= EF + stocks): 50.22% ( + 0.94% WE ARE NOW HALFWAY TO FIRE!!!)
Savings rate this month: under construction
Savings rate this year: under construction

October 2019
Mortgage: 48.91% (+ 23% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 109% (excess will be invested in the hubby’s pension fund)
Stash (= EF + stocks): 49.28% ( + 1.31%)
Savings rate this month: under construction
Savings rate this year: under construction

September 2019
Mortgage: 48.68% (+ 0.46% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 128% (excess will be invested in our pension funds this month)
Stash (= EF + stocks): 47.97% ( + 0.77%)
Savings rate this month: under construction
Savings rate this year: under construction

August 2019
Mortgage: 48.22% (+ 0.23% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 127% (we added a lot of money to our retirement account…but still, just after our salaries come at the end of the month our total emergency fund is up)
Stash (= EF + stocks): 47.20% ( + 0.1%, even though we put thousands towards our investments…that’s what the roller coaster ride is all about….)
Savings rate this month: under construction
Savings rate this year: under construction

July 2019
Mortgage: 47.99% (+ 0.23% almost half our house is actually ours! We are now focusing on investing, instead of paying off the mortgage)
Emergency fund: 119% (that needs to come back to 100%, so let’s invest the 19%!)
Stash (= EF + stocks): 47.10% ( + 0.83%, even though we bought solar panels for the house, almost halfway to reaching FIRE!)
Savings rate this month: under construction
Savings rate this year: under construction

June 2019
Mortgage: 47.76% (almost half our house is actually ours!)
Emergency fund: 117% (that needs to come back to 100%, so let’s invest the 17%!)
Stash (= EF + stocks): 46.27% (almost halfway to reaching FIRE!)
Savings rate this month: under construction
Savings rate this year: under construction

***I stopped blogging at the beginning of 2016 and decided to take it up again in July 2019 after being encouraged by The Godfather of FIRE JL Collins***

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!)

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…)

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…)

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)

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!)

July 2015
Mortgage: 33.93% (+0.15)
Emergency fund: 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!)

June 2015
Mortgage: 33.78% (+0.16)
Emergency fund: 327.3% (+19.8%)
Stash (=EF + stocks): 18.85% (+0.95%)
Savings rate this month: 61% (YAY!!! due to our annual tax return)
Savings rate this year: 44% (woot!!!)

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!!!)

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.)

March 2015
Mortgage: 33.31%
Emergency fund: 307% 
Stash (=EF + stocks): 17.1% 
Savings rate this month: 36% (WOOT!)
Savings rate this year: 32% (+2%!!!! I am hoping for a 40% savings rate this year…but 50% would be awesome.)

Februari 2015
Mortgage: 33.16% (0.16% increase)
Emergency fund: 302% 
Stash (=EF + stocks): 16.49% 
Savings rate this month: 32% (we had to pay taxes, the hubby bought a ticket for a music festival, we bought 4 safety gates for our stairs to protect the kid from falling down and prevent her from climbing up, we did a family photoshoot and we bought some stuff for the little boy who’ll be arriving shortly)
Savings rate this year: 30% (I am hoping for a 40% savings rate this year…but 50% would be awesome!)

Januari 2015
Mortgage: 33% (0.15% increase)
Emergency fund: 314% (-15% due to large chunk of money which we invested)
Stash (=EF + stocks): 15.77% (+0.55% due to savings rate and bull market)
Savings rate this month: 28% (we pay our health care insurance annually, so we paid over €2,000 in one go AND the hubby went snowboarding in Winterberg for four days)
Savings rate this year: 28% (I am hoping for a 40% savings rate this year)

December 2014
Mortgage: 32.85% (1.15% increase)
Emergency fund: 329% (-71% due to the car purchase)
Stash (=EF + stocks): 15.22% (-1% due to the car purchase)
Spending to income ratio this month: 237% (including the car purchase) 68% without the car purchase…I was curious….
Spending to income ratio this year: 80% (including the car purchase) 64% without the car purchase…again…curiosity!

November 2014
Mortgage: 32.7% (0.06% increase)
Emergency fund: 400.8% (5% increase, due to the closing down sale of the side business)
Stash (=EF + stocks): 16.23%(0.48% increase, due to increase stock market and closing down sale…)
Spending to income ratio this month: 92% (Ugh….)
Spending to income ratio this year: 63% (since we are going to buy a car in December there’s no way we’re going to get that under 60%)

October 2014
Mortgage: 32.64% (0.09% increase)
Emergency fund: 395% (3% increase, due to the closing down sale of the side business)
Stash (=EF + stocks): 15.75% (slowly getting to 20%)
Income to spending ratio this month: 54% (Now that’s the way to do it!)
Income to spending ratio this year: 61% (<60% here we come!)

September 2014
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!)

August 2014
Mortgage: 32.4 (0.22% increase)
Emergency fund: 396% (2% decrease, due to money going towards stocks)
Stash (=EF + stocks): 12.86% (0.79% increase due to investments and the bullish stock market)
Income to spending ratio this month: 57% (yeah! Even with the husband going to a 3-day music festival and spending lots on drinks and food)
Income to spending ratio this year: 61% (<60% here we come!)

July 2014
Mortgage: 32.18% (0.8% increase)
Emergency fund: 398% (57% increase….thanks to my windfall…we keep on throwing cash at our stocks on a monthly basis, but it will take a while before we get this down to 100%)
Stash: 12.07% (1.03% increase. FI, here we come! F-you money rocks!)
Income to spending ratio this month: 88% (we spent €1800 on a holiday home…since this will probably be my only holiday this year and we don’t want to take the baby camping just yet….sterilizing bottles without a microwave is a bitch….waahhhhhhwaaaaaaaahhhhhhh, yeah, we’re wussypants! And our irone throne (aka car) cost us €450 this month.) No, I did not include the windfall, since it doesn’t count as income.
Income to spending ratio this year: 62% (I’m not worried, we’ll get to <60% in 2014!)

June 2014
Mortgage: 32.1% (0.3% increase)
Emergency fund: 341% (we keep on throwing cash at our stocks on a monthly basis, but it will take a while before we get this down to 100%)
Stash: 11.04% (0.27% increase. FI, here we come! F-you money rocks!)
Income to spending ratio this month: 67% (hm…where did that money go? We went to a music festival, got an indoor skiing membership for two months during the summer and bought lots of organic products like nappies and shower gel. That money wasn’t wasted from our point of view…however these expenses won’t help getting FI sooner…)
Income to spending ratio this year: 58% (Ow, yeah!!! <60% here we come!!!)

May 2014
Mortgage: 31.8% (0.6% increase)
Emergency fund: 342.4% (45.7% increase….our ER keeps growing like crazy, even though we’re investing our asses off….)
Stash: 10.77% (1.27% increase! Financial independence, here we come! Ow yeah, we love F-you money!)
Income to spending ratio this month: 30% (thanks to a huge tax return and “holiday money”)
Income to spending ratio this year: 57% (Ow, yeah!!! <60% here we come!!!)

April 2014
Mortgage: 31.74% (0.8% increase)
Emergency fund: 296.7% (more has gone into investments, yay!)
Stash: 9.5% (hardly an increase here)
Income to spending ratio this month: 78% (uhoh…the hubby went to a music festival, we bought an amplifier, bought several items at a baby store, a couple of annual memberships were paid for and the hubby got me expensive shoes for my birthday…I need special shoes due to my orthotics)
Income to spending ratio this year: 71% (Ouch! Would still like to get to <60%!)

March 2014
Mortgage: 31.66% (0.3% increase)
Emergency fund: 303.5% (even though we’re investing bigger chunks of money…our EF won’t shrink that fast)
Stash: 9.56% (10% here we come!)
Income to spending ratio this month: 58% (now, that’s what I’m talking about! Even though we had to pay real estate fees to get the Hungarian house on the market and the hubby made a bunch of extra trips to the store to get baby supplies (jeez…those nappies have a short life span!) we nailed March!)
Income to spending ratio this year: 69% (ow, yeah, <60% here we come!)

February 2014
Mortgage: 31.36% (0.14% increase, interest on the savings part of the mortgage was paid out, we can’t make extra mortgage payments due to stupid tax rules)
Emergency fund: 306.1% (about 2% increase…we have started throwing more into index funds…but the emergency fund is still growing!)
Stash: 9.35% (0.2% closer to early retirment)
Income to spending ratio this month: 74% (as expected, not very impressive. the husband repaid his wintersport buddy the remainder for his holiday, we had professional pregger pictures taken, the hubby bought tickets for a music festival…besides the fact that we’re going to have a baby, nothing expensive will be happening to us in March 😉 )
Income to spending ratio this year: 76% (not a realistic number yet…, we’ll get to 60-65% by the end of this year!)

January 2014
Mortgage: 31.22% (0.14% increase, interest on the savings part of the mortgage was paid out, we can’t make extra mortgage payments due to stupid tax rules)
Emergency fund: 304.5% (we started throwing more into index investment funds)
Stash: 9.15% 
Income to spending ratio this month: 78% (as expected, not very impressive and it should be worse. The hubby still needs to pay back the wintersport holiday, but his friend hasn’t sent a bill yet. Also, our January mortgage payment was already deducted in December. Both of us also paid our annual health insurance in full. February will even things out)
Income to spending ratio this year: 78% (not a realistic number yet…)

December 2013
Mortgage: 31.08% (0.07% increase, I continue to hate the fact that we can’t make extra mortgage payments anymore…)
Emergency fund: 321%
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!)

November 2013
Mortgage: 31.01% (I continue to hate the fact that we can’t make extra mortgage payments anymore…)
Emergency fund: 309% (Thanks to the endowment.)
Stash: 8.14% (4% increase, almost at 1/10 of being FI!)
Income to spending ratio this month: 57% (verrrrrrrrry happy about this!)
Income to spending ratio this year: 63% (1% decrease, yay!)

October 2013
Mortgage: 30.93% (I still hate the fact that we can’t make extra mortgage payments anymore…)
Emergency fund: 122% (15% increase! We’re still too chicken to dump a huge amount into investments in one go…)
Stash: 4.14% (Exciting news…we’ll be expecting a windfall this month so our stash will increase like crazy)
Income to spending ratio this month: 62% (very happy about this as we went on a mini-break, bought a second-hand stroller and some other stuff)
Income to spending ratio this year: 64% (No change = good!)

September 2013
Mortgage: 30.72% (I hate the fact that we can’t make extra mortgage payments anymore…)
Emergency fund: 107% (4% increase! We’re looking at increasing our monthly investments because emergency fund stash only fetches 1.85% interest at the moment.)
Stash: 3.98% (I’ve decided to set ourselves a goal here: 5% by the first of January 2014)
Income to spending ratio this month: 57% (NO WAY!!! We bought a second-hand nursery, went out for dinner a couple of times, had a birthday party and the husband bought a new shaving device because the old one broke. I didn’t expect this!!!)
Income to spending ratio this year: 64% (It dropped by 1%, yay! Maybe we should challenge ourselves and go for 60% this year?)

August 2013
Mortgage: 30.49%
Emergency fund: 103.19% (turns out we were able to fill up the stash pile this month already!)
Stash: 3.85% (Refilling our emergency fund AND increasing the stash = great!)
Income to spending ratio this month: 57% (I was SURPRISED! In August we went to a festival, on frugal holiday (that must have helped…but still), went out to eat a couple of times and the husband joined an expensive stag party)
Income to spending ratio this year: 65% (I actually expected this number to have gone up…but it didn’t, yay!)

July 2013
Mortgage: 30.35% (whoohoo!!!)
Emergency fund: 88,05% (that’s because we paid off the interest-only mortgage, we’ll “fix this” during August and maybe we’ll need September as well)
Stash: 3.3% (haha, we’re nowhere near retiring early as the focus was on aggressively paying off the mortgage)
Income to savings ratio: 65% (due to a whopping tax break!) The monthly numbers were:
January 98% Februari 98% March 73% April 94% May 71% June 40% and July 28%…I guess we’re heading into the right direction?! This year’s goal was 75% and next year’s 70%. Let’s see whether we can nail the 70% this year already?!

The “old” numbers:

On this page I will inform you on our “numbers”. My husband doesn’t want me to publish any numbers, so I decided to go with percentages and I’ll update the numbers monthly.

The mortgage numbers are easy. We have X amount of mortgage and paid off X%.

The emergency fund needs a bit of explanation. I calculated our average expenses for a year (which are high now, because of the monthly minimum mortgage payments) and made that 100%. Our emergency fund consists of cash which is readily available.

Our investment portfolio consists of index fund stocks and bonds. Each month we automatically buy a set amount of stocks and bonds. Our mix consists of global stocks, emerging markets stocks, European stocks and European bonds all following the MSCI indexes. I decided to also show the percentage of our total investment value in percentages compared to our average yearly expenses.

The percentage of our mortgage we paid off  and the emergency fund plus investments we have by:

June 2013
Mortgage = 26.83% (more than 1% increase compared to last month, yay!!!)
Emergency fund = 61.36% (I guess we need to throw even more towards that mortgage, hey?!)
Investment portfolio = 15.67% (Let’s just say emerging markets aren’t doing well…)

May 2013
Mortgage = 25.74% (HAPPY DANCE!!!)
Emergency fund = 56.68% (progress…but actually we could throw more into the mortgage…)
Investment portfolio = 15.64% (our deposits this month haven’t been added yet)

April 2013
Mortgage = 24.51% (creepin’ towards that 25%….I am sure we’ll own 25% of our home by the end of this month.)
Emergency fund = 55.16% (ouch, we spent A LOT of money in April!)
Investment portfolio = 15.58% (YEAH!)

March 2013
Mortgage = 24.26% (extra mortgage payments made possible by the customers of my side business and my husband’s employer who gave him a bonus, you guys rock!)
Emergency fund = 63,43% (another short holiday, a festival weekend and other stuff. We are going to stop spending now!)
Investment portfolio = 12,93% (nothing exciting here)

February 2013
Mortgage = 23.17% (one extra mortgage payment worth about a quarter of our month’s expenses and regular payment)
Emergency fund = 67.36%
Investment portfolio = 12.59%

January 2013
Mortgage = 22.66% (we threw three extra mortgage payments worth almost a month’s worth of expenses in there)
Emergency fund = 66.07% (winter sport)
Investment portfolio = 11.36% (we’re up more than 2%, YAY for index investing!)

December 2012
Mortgage = 21.52% (Mid-January we’ll make another extra mortgage payment, our goal by the end of this year is 35%)
Emergency fund = 74.11% (That’s okay, our minimum is 41.66%, so there’s definitely money left for that extra mortgage payment)
Invesment portfolio = 9.03% (GO stocks and bonds!)

2012 yearly surplus
This year we didn’t spend 17% of our total income. So these earnings were used to save, make extra mortgage payments and buy index funds.

December 2012
Mortgage = 20.72% !!!!!!!!!!!!! We doubled this percentage in ONE MONTH!!!
Emergency fund = 95.10% (That’s where the extra mortgage came from, obviously. This amount is fine and should be even less. We are aiming for an emergency fund which is equal to 5 months expenses, so a 42% emergency fund is fine. Conclusion: we should pay off the mortgage even more!)
Investment portfolio = 7.97% (not much action there)

November 2012
Mortgage = 10.07% (our first small extra mortgage payment in order to check out how things work, yay!
Emergency fund: 146%
Investment portfolio: 7.96%

October 2012
Mortgage = 9.09%
Emergency fund: 145% (conclusion: we have way too much cash sitting around and we should make extra mortgage payments which we will!)
Investment portfolio: 7.33%

September 2012
Mortgage = 8.97%
Emergency fund: 145%
Investment portfolio: 5.68%

August 2012
Mortgage = 8.86%
(Can’t track back the rest of these numbers, sorry.)

Our mortgage:

1/7 of our mortgage is an interest-only part with an adjustable mortgage rate
6/7 of our mortgage is a savings mortgage with a fixed mortgage rate and interesting tax benefits