I am currently just updating you with my savings as I have to admit I do not account properly my expenses every month (I should!)
I am very conservative in what concerns the house guarantee that I expect to get back when we move out of the new house. We have actually paid 5200 Euros but I will assume we will only get 4000 Euros back. Additionally, in M pension, since we are not sure how the pension fund is performing, I will assume a growth rate of 0%. Better to be conservative and then have positive surprises, I believe.
Despite being an unusual month in terms of expenses, as we have just moved into a new bigger house, I am happy to say that our equity increased by 4765 Euros.
Our cash has decreased due to the fact that we have paid 55000 Euros in our first real estate investment. The rest of the payment (45 000 + taxes + furniture) will be paid once the apartment is totally built, which should be in December/January. I am very excited about my first investment and looking forward for my first passive income generator to start working!