Monthly Review

December reflection

Hello everyone!

Welcome to the last monthly reflection and the last blog post of the year 2021. I can’t believe that this year has come to an end already. It went by so fast. Before we are getting all emotional let see how I did in the last month of the year.

Salary + Travel allowance: € 1.946,70

Health insurance: €64

Dividends: €6,14

Total: €2.016,84

I am so happy with the dividends that I received in December. This was my second highest dividend month of the year. The difference is only €0,01. On the last day of the year, I received €1,79 from one of my ETF’s which I didn’t expect. I thought that they were going to pay me in January.

In December I hit another milestone. I completed the last goal I was working on. I finally saved €6.000 in my emergency fund! This means that my expenses are fully funded for a whole year, while still living at home. I am proud of myself, but the journey is not over yet. Now I have to save for a future emergency fund for when I move out. In the new year, I will be saving an extra €4.000.

I am so happy that I completed all my financial goals this year.

Let’s take a look at what my spending looked like in December:

Here in The Netherlands, we were in lockdown during Christmas. If we wouldn’t be in lockdown I probably would have gone out to eat with my friends and with my boyfriend. Unfortunately, I couldn’t do that. So this year we just celebrated Christmas at home with our families.

I did spoil myself a bit this month. I purchased some books. And I also bought some weights so that I can work out at home since we are in lockdown again and we can’t go to the gym.

Right now I am with my boyfriend in a hotel. We are celebrating New Year together. Just the two of us. We just ordered pizza. This means that I spent money for the last time in 2021. I paid my part without having to use my fun sinking fund or my Christmas sinking fund, and I am so happy about that.

(No, I did not write this whole post one New Years’ eve, most of it was written in advance).

On Sunday I will have a post where I review the whole year and share my 2022 goals.

But I wanted to end this post by saying that 2021 was a financially good year for me. I learned so much and I accomplished a lot of things. I am not a high earner. My salary this year was €26.568 and I still did it. It’s consistency that helped me achieve my financial goals.

I am so happy that I finished strong and that I didn’t slack.

That’s it for today. Thank you all for your precious time!

I want to wish you all a Happy New Year!

Love,

Color and Coins

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