1Anno
I can only roughly estimate, because I do not keep a budget book (more). Income from employee relationship: approx. 40,000€ net Dividends: approx. 2,000€ net Tax office: from 2022 approx. 6-7,000€. Expenses: Housing: 310€ warm for main residence, 280€ for shared room at place of work. Rent is paid jointly by me and my girlfriend, so it's pro rata. Car: approx. 250€ summa summarum incl. everything except replacement. Food: approx. 300€ (canteen, weekly shopping, rarely out of town). Vacation: depending on the year, sometimes more, sometimes less. Mostly less, I like vacation homes as a base for mountaineering. One week usually costs around 700€ / 350€ p.p. In the Alps. Total about 1.000€ p.a. Bits for hygiene (every 5 weeks hairdresser for 20,-, bits shower gel, toothpaste, etc.), about 25€ / month. Gifts for friends and family (incl. weddings): About 50€-100€ / month. Depending on the year. Found pointless to track, as no ice saving potential. Approx. 50€/ month for clothes (my winter jacket already cost 300,- in 2013, but still feels as good as new, wants to say: quality goes before quantity for me). Approx. 50-100€ / month for remaining expenses.
Spending in total varies between 1500 and 1700, what is not listed above, comes together through spontaneous purchases. Resr goes into overnight money (actually now full, 250€ / month) and into the depot (except for an ETF savings plan only one-time purchases, a total of about 20,000€ p.a.. Into the depot.
Spending in total varies between 1500 and 1700, what is not listed above, comes together through spontaneous purchases. Resr goes into overnight money (actually now full, 250€ / month) and into the depot (except for an ETF savings plan only one-time purchases, a total of about 20,000€ p.a.. Into the depot.
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@KevinC how do you get the 6-7k from the tax office? 😯 Do you deduct travel and a second home?
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@MFMIrrgang last year long commuted from main residence to work (80 km / distance). Then professional move to new job. Setting up the second home. Deducting the rent and second home tax.
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