How much money do you have in savings? Every week, we ask a different Dutch individual. We don’t talk much about how much money we make and save, even though we are more interested in it. This week: Roos (25) who uses a spreadsheet to keep track of her finances.
FunctionConsultant project assistant
Earnings net:2242.30 Euros, plus travel costs
“18,172 euros and 83 cents.”
“Yes, because I’m on schedule. I’d like to begin looking for a home with my boyfriend in about a year and half. This is the deadline that I set for myself. I would like to save 20,000 euros on this.
The money I have saved isn’t just for my future home. I have two piggy banks, one for unexpected expenses and one to travel. The latter is always a goal of mine. I took something out to visit a friend overseas, so I’ll add 5,000 euro as soon as possible.”
„Every month I transfer 426 euros to my ‘House’ piggy bank and 106 euros to ‘Unforeseen’. This jar is for financial setbacks, such as a broken bicycle.”
“I have a Google Spreadsheet in my Drive. It’s always with me, whether I’m on the computer or my phone. My fixed costs are deducted from my salary when I receive it. These are my rent and healthcare, sports, phone, student loan, and my phone.
50 percent of the money I have left I transfer to my ‘House’ piggy bank. The remaining 50 percent I have left, I split under food & drinks, clothing, gifts and contingencies, as well as investments. Then I still have 6.30 euros left.”
“I think you should enjoy life. For example, I took money from my ‘House piggy bank so I could have a good bottle of wine this weekend. It’s now possible to have fun with the weather. It may take us a while to buy a house due to the overheated housing market.
When that step is a bit closer to our future, I will be a bit tighter again.”
“Certainly not. This was what happened to me when I moved out of my home. Then came the Excel sheets, so I could see how much I spent each month on food and energy, and what I had left over after that.”
“That I look less at people around me on social media who all have beautiful new stuff. That is what I find most sensitive. Online shopping has become very easy. Shopping online is so much easier than going to the store.