Savings rate challenge results – November 2019

Five months down, seven to go. November's savings rate was 37.66% from planned savings, minus 4.24% from net cash flow, for an overall result of 33.42%. This is the second month so far where my net cash flow (including what is 'spent' on savings) has been in the negative. The first month was August. Even … Continue reading Savings rate challenge results – November 2019

Savings rate challenge results – October 2019

Four months down, eight to go. This month's savings rate was 37.81% from planned savings, plus 1.08% net cash flow, for a total of 38.89%. The categories where spending was over budget were Car, Personal, Pet and Discretionary. While I had budgeted for the car service that was due, it didn't take into account replacing … Continue reading Savings rate challenge results – October 2019