Savings Rate Calculation – A New System

savings rate calculation

To become financially independent, you have to track your finances. I write articles monthly on how my finances are progressing, in my Monthly Overview posts. I have also given you insight in how I analyse my finances. In both posts, the savings rate is an important measure. For 2018, I’m going to change my savings … Read moreSavings Rate Calculation – A New System

Retirement Investment Optimisation – My New Portfolio

retirement investments

A while ago I posted about the Dutch retirement system, and how you can save money for retirement in three different pillars. This is an article about optimising my pillar two savings, the employer’s retirement account. Default Retirement Funds My employer and I put money into a pre-tax retirement account. The retirement company then invests … Read moreRetirement Investment Optimisation – My New Portfolio

The Dutch Retirement System

dutch retirement system

Every country seems to have a different retirement system. In this article, I will explain how the system in The Netherlands works. Based on this system, I have to make certain choices regarding my (early) retirement. Below are the three pillars in the Dutch retirement system. The Three Pillars of Retirement Here in The Netherlands, … Read moreThe Dutch Retirement System

You Need a Budget – YNAB (part 2)


In this blog series I show you how to use budgets in a non-restrictive order, you become the boss of your money. The tool I use to create my budget is called YNAB, short for You Need A Budget. This post is about your embracing your true expenses.

Part 1 | Part 3 | Part 4

If you want to start using YNAB, please use my affiliate link. It will give both you and me a free month of YNAB. God I love these win-win scenarios!

Read moreYou Need a Budget – YNAB (part 2)