sankey: felt poor might delete later.

One room apartment with balcony. The rent will probably double at the end of the year because I will take over an apartment that is twice as big and closer to work. The distance to work is now about 5km with the detour in the gym 8km. The Bezinkosten result rather from the fact that I drive when visiting relatives idR with full throttle on the highway.

Other income is cashback on credit cards and purchases and rewards for new accounts and cards.

For the car, no taxes, insurance since the car is only driven by me, but not owned by me. The thing also has no depreciation, there is no part unpainted / unlearned. In the evening I knock before driving off occasionally against the taillight, because otherwise it sometimes has no desire to shine.

PHV I have already chosen a new one that has better benefits and is cheaper. Household insurance will probably not be extended.

Food is Lidl / Kaufland. Organic are actually only the rolls. Since I occasionally throw away what I could certainly optimize.

Mobile is the minimum, with phone flat rate. I don't have any streaming services like Spotify, so data volume is hardly necessary. I don't have newspaper subscriptions either, I get them at work and the daily paper is available in the gym.

I don't have an Internet connection anymore, either until the mobile network gets on my nerves or I run out of cards.

The surplus usually goes to some irregular expense like eating out, clothing, electronics, or Chinese junk from Amazon.

Savings potential would certainly be the car, but currently no desire to drive permanently by public transport or bike. The fact that I no longer have towing costs / parking tickets for some time is saving enough for now. Falls for me with sports and hairdresser under luxury spending.

2k per month put on the side I find first quite ok.

#sankey

Something for the average consumer. 🌝

Am neither a company owner nor a big earner, I do it for the ego of the middle class, folks. 🥹

#sankey

My home page is full of #sankey Charts, so I thought I'd follow the trend. Until now I haven't really tracked my income and expenses and let's just say: I think it's high time to have a closer look 😅

To the Diagram:

I work as a student trainee in addition to my studies and, when it fits, I also work independently on a project basis. So on average my salary is around 1.200€. During lecture-free periods I earn more, but I'll be honest: I spend that just as fast. Most of my budget is (unfortunately) still the financial support of my dad (sorry, shame on me 🫣).

My savings rate of 300,00€ I partly put aside as a buffer or then invest in stocks, ETFs or other assets. However, this is not the same every month. 💰

And yes, then follows the FUN part of life. I like to go out with friends, spend a euro or two on a good bottle of wine, vacations, city trips, or even clothes. To the part, however, I must say: Is only a rough estimate for the average, monthly expenditure.🍷

My Learning from all this: I would like to have my expenses more on the screen. There's definitely potential for optimization 🥲

But as gstaadguy would say: The key is not to save, the key is to spend. The more you spend on the finest things, the more you have to make 🙃

@Europoor , @PapasKreditkarte , @WirecardCEO , @CryptoPfand , @Amok - Go, go, go: what do you say to my chart? 😅

Also inspired by @Europoor I also make myself naked. I'm 43 and an IT architect. 1.5 salaries Christmas and vacation pay I have omitted, which are for vacation and reserve new car.

#sankey

What are d(m)one's most valuable investments this year?

Every day I can read here different posts about the stock market and investments. Sure it's a "social investment community"... and yet for me investing in really alternative assets is also part of it.

Classics like music rights, precious metals, real estate, spirits in general and other "non-stock market traded" products or assets I don't even mean at this point.

For me, away from the stock market, it's time for family, friends and hobbies, health and happiness.

My most valuable investments this year so far:

• Buying a new bike for me, our son (ok more like a running bike) and bike trailer, as well as eBike (yes it's a pedelec but the power of generalization...) for the wife give me the opportunity to combine my hobby with family, because they can be on the road together with me
• a new bike made me ride more than 800km since July (with the way to work and back, as well as other trips), which provides for more health in the sense of sport and psyche
• the PV system, so that the price of electricity can be beaten a bit of a bargain, independence
• the Berlin Zoo, Tierpark and Aquarium Kombi Card (annual pass for all three institutions) and related trips with the family
• the time spent together with friends (including personal meetings with long-time, far-away loved ones)
• visiting concerts
• good food
• building a pool lawn on one's own (wellness for body and soul)
• hobby rediscovered: photography
• time for meetings with: @GoDividend
  @Derebete
  @ThisIsEmil
  @Staatsmann
  @Dein_Geld_Deine_Verantwortung
  

These things make life worth living, spur me to continue to invest and stay invested in the stock market.

They allow me to hopefully live a beautiful, frugal and above all fulfilling life today and in the future.

I have already described it several times. Gratitude.

Of course times are tough, gas and electric bills don't pay out of my postage pocket either, food prices are going up. It will lead to the fact that I have to adjust my life and our expenses appropriately.

And yet you may, no you should enjoy life. The here and now is more important than any promise of a golden future. I am glad that here on Getquin "bullshit" like frugalism is not celebrated to the hilt. We could see that from the past two weeks #sankey and #networth graphics already see.

Apparently there are some more people who see life that way. We live it once. Once correctly. Once with all consequences.

If you have thought about tomorrow and act today, you must not forget "today" and should feel it with meaning and value just as the savings plan feels the depot.

What has been or will be your "most valuable investment" this year?

(Greetings at this point also to @DonkeyInvestor who already worked up the topic in a similar form).

I wish you a good and successful start to the week. 🍀

The #Sankey of a donkey

So, I will too before I miss the trend completely. Since I am #Esel always have a lot to do, the income and expenses are only estimated, but should be about right. At least as long as @Barsten continues to invite me to his parties.

What do you think of my savings plans and where I could possibly still reduce my expenses?

#flowchart
#flussdiagramm
#shitpost

Since it is probably Sankey time on getquin, I have also filled out one!

The salary is the average income of this year.

The tax reserve is already deducted and flows into a separate account.

I think halfway frugal apart from the "hobby" cars.

Travel costs, Internet and cell phone costs I can still partially deduct because of self-employment.

Goals for the future are actually simple

1) Earn more

2) Save more

3) To be able to retire in 12 years at 35... if one wanted to.

#sankey

Income, expenses I hold it simple🤷‍♂️

Since currently everyone is posting their income and expenses here I wanted to join this trend as well. 🤠

Since I like it pretty simple, I unfortunately didn't create a complex graph. Old school halt🤷‍♂️

what do you say? Where do you see potential for optimization apart from the handwriting and the paper quality?

#sankey

#sankey

Hello all,

Then I also times with..😅

I am now 31 and work as a nurse in the intensive care unit, but as a temporary worker. My salary comes primarily from the fact that I am employed in temporary work and make more than my should. Work between 190-210 hours/month, mostly all weekends, all holidays and as many nights as possible.

Salary is my average net pay from 01.22-07.22.

I live for rent with my partner, so this is all prorated expenses + the food.

I have already accumulated a nest egg of 5,000€. Since I do not plan to acquire property in the current situation, that is enough for me, as security.

If vacations are pending, or larger purchases, then in the month is simply invested less. That is why it is not listed there.

Fortunately, I started to invest only at the end of June, with a larger sum.

Which is why my portfolio is also in the green numbers. Even more so the cryptocurrencies.

I chose the S&P500, because I believe that it will beat the MSCI world in the next few years and will simply remain the strongest market among the global players.

Individual stocks so that it remains somewhat exciting and I have reasons to be able to deal with the whole topic, somewhat more time-intensive.

And cryptocurrencies simply because they were very attractive from the prices at the end of June, to the ATH. Retrospectively, that was also a very good decision, so far.

I decided to share my monthly inputs and outputs as well.... #cryptopfand

#sankey