Monthly Update – 11-2019 (November)

November. Events month for Lisbon. Post is again late since i was travelling :).

This month we had the websummit in Lisbon which is a major Tech event . Well they claim its “The best technology conference on the planet” and also the largest in Europe. I believe this year or last they had around 70k visitors. This is quite impressive. We happen to be returning from our vacations and i could do the check-in for the event in the airport. This saved me a lot of time since 70k people usually generate awfull queues.

Anyhow those were 4 tiring days with also many side events. Lots to learn. Additionally we have also sold our Rental property. Finally !!!

If you recall i’ve already announced the signaling here. This was a huge stress. Not only was the first time we sold an apartment but also some documents were missing on the day because we got married between buying and selling the apartment. What a mess. Since in Portugal most of the agencies dont talk with each other no way they could easilly find out if i was married, right?

I’ve also flown to Berlin for a couple of days attending a workshop. Unfortunately i flew with a cold and my ears didnt pop out after landing. What was a minor disconform transformed into a major annoiance for the next 2 workshop days. I felt i was under water for the whole time…

Coming back, same effect which led me to visit a doctor and find out i had Otitis in both ears 🙁 Otitis is basically an ear infection which was caused by my cold. Anyhow, i planned to attend an event on the day after but i had to rest the whole day. Time to rest is time to rest.

But enought with the talking, lets go to the numbers, here goes our November monthly update ! We will be focusing on the operational part. Income vs Expenses vs Savings rate.

Income

Salaries: 5 192.50 €

Expenses

Housing

  • Mortgages: 1 101.26 €
  • Insurance, Condominium, etc: 49.74 €
  • Utilities (Water, Lights, Gas, Internet, Phones): 218.66 €
  • Total Housing: 1 369.66 €

Cars

  • Fuel: 149.57 €
  • Maintenance: 56.80€
  • Insurances: 129.55 €
  • Transportation (parking, tolls): 76.85 €
  • Total Cars: 412.77 €

Health & Personal items

  • Consultations & Exams: 62.25 €
  • Clothing: 0 €
  • Total Health: 62.25 €

Food

  • Grosseries: 86.19 €
  • Eating-out: 573.35 € (Mrs.Firecracker celebration dinner for delivering her Master Thesis, finally selling the house dinner and some christmas dinners!)
  • Total Food: 659.54

Misc

  • Selling the house contracts costs: 271.38 €
  • Others: 135.97 € (Already some Christmas gifts)
  • Total Misc: 407.35 €

Total Spent: 2942.07 €
Budget for the Month: 3102.78 € (added 417€ for vacations)

Savings Rate

SR = ((Income – Expenses) / Income ) x 100 = (( 5 192.50 – 2 942.07) / 5 192.50 ) x 100 = 43.3 % or 2250.43 €

We have stayed below our monthly budget (yay!) We also increased i’m aware.

Next Steps

Next month we will finally some renovations inside the apartment that would increase our quality of living. We will also have christmas aaaaannd Christmas bonus !

Want to see how our Networth is going? Check here

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