Our savings in January:
|Money to be spent in the apartment||44,585||44,585||0|
|Cash – debt||22,415||26,935||4,520|
This month we have spent more than usual, in particular taking into account that both our salaries have increased. We have actually saved a bit less than 50% of our salaries, without considering our pensions, which should not have happened.
However, I can partially explain the reasons: we bought some furniture we were still missing for our recent apartment and also some things we needed for the baby (will be born in 4 weeks!), including cloth diapers which will hopefully allow us to save money in the future. So, hopefully, next month we will be able to compensate and have a higher savings rate!
- 1 apartment, which is still not 100% ready, so only from July onwards we will be able to rent it and start cashing-in
- 31k in cash (excluding the money we will still spend in the apartment: paying the construction company + legal costs + furniture and including the house guarantee in our current apartment)
- 56k in pension funds