Savings

Here’s the table of net income, expenses and savings over the past four years.

Income reflects only job yields, while expenses consist of a mortgage, supplies, various rates, insurance, community of neighbors, and various purchases.

In 2016 and 2017 I have saved very little money and, still, I have continued to build an investment portfolio that is getting closer and closer to the proposed target. In 2018 I set a 40% savings targetand almost reached it, while in 2019 I’m at the gates of 50%.

In July 2020 the owners of the hotel where I worked could no longer pay my salary and, after two and a half years of leaving my life to raise it, we parted ways.

I wish them good luck. The pandemic does not forgive our sectorand it has not been possible to exceed the savings level of 2019,so here are my worst numbers. It’s a good thing that the income generated from the investments gets me out of the way:

YEAR 2020

Date	Income	Expenses	Saving	Savings %
31/01/2020	2341	1491	850	36,31%
28/02/2020	2475	1186	1289	52,08%
30/03/2020	2440	1315	1125	46,11%
30/04/2020	2475	1261	1214	49,05%
30/05/2020	2193	1198	995	45,37%
30/06/2020	2475	1263	1212	48,97%
31/07/2020	2747	1402	1345	48,96%
31/08/2020	1949	1239	710	36,43%
30/09/2020	939	1194	-255	-27,16%
31/10/2020	939	1002	-63	-6,71%
30/11/2020	939	924	15	1,60%
Total	21,912€	13,475€	8,437€	38,50%

YEAR 2019

Date	Income	Expenses	Saving	Savings %
31/01/2019	2475	1843	632	25,54%
28/02/2019	2475	1574	901	36,40%
31/03/2019	9950	1342	8608	86,51%
30/04/2019	2340	1485	855	36,54%
31/05/2019	2340	1451	889	37,99%
30/06/2019	2340	1678	662	28,29%
31/07/2019	2340	2102	238	10,17%
31/08/2019	2340	1831	509	21,75%
30/09/2019	2340	1648	692	29,57%
31/10/2019	2340	1298	1042	44,53%
30/11/2019	2340	1375	965	41,24%
31/12/2019	2341	1311	1030	44,00%
Total	35,961€	18,938€	17,023€	47,34%

YEAR 2018

Date	Income	Expenses	Saving	Savings %
31/01/2018	636	1497	-861	-135,38%
28/02/2018	2120	1811	309	14,58%
31/03/2018	5326	1798	3528	66,24%
30/04/2018	2456	1826	630	25,65%
31/05/2018	4724	1830	2894	61,26%
30/06/2018	2400	1812	588	24,50%
31/07/2018	4600	1904	2696	58,61%
31/08/2018	2335	1854	481	20,60%
30/09/2018	2335	1851	484	20,73%
31/10/2018	2334	1724	610	26,14%
30/11/2018	2334	1801	533	22,84%
31/12/2018	2335	1869	466	19,96%
Total	33,935€	21,577€	12,358€	36,42%

YEAR 2017

Date	Income	Expenses	Saving	Savings %
31/01/2017	2205	1788	417	18,91%
28/02/2017	2218	1624	594	26,78%
31/03/2017	2218	1766	452	20,38%
30/04/2017	2218	1847	371	16,73%
31/05/2017	2218	1783	435	19,61%
30/06/2017	2218	1804	414	18,67%
31/07/2017	2218	1768	450	20,29%
31/08/2017	2218	1734	484	21,82%
30/09/2017	2218	1872	346	15,60%
31/10/2017	2218	1904	314	14,16%
30/11/2017	2218	2415	-197	-8,88%
31/12/2017	2218	1887	331	14,92%
Total	26,603€	22,192€	4,411€	16,58%

YEAR 2016

Date	Income	Expenses	Saving	Savings %
31/01/2016	2196	1755	441	20,08%
29/02/2016	2205	1726	479	21,72%
31/03/2016	2205	1799	406	18,41%
30/04/2016	2205	1804	401	18,19%
31/05/2016	2205	1757	448	20,32%
30/06/2016	2205	1695	510	23,13%
31/07/2016	2205	1987	218	9,89%
31/08/2016	2205	1867	338	15,33%
30/09/2016	2205	1863	342	15,51%
31/10/2016	2205	1902	303	13,74%
30/11/2016	2205	2379	-174	-7,89%
31/12/2016	2205	1678	527	23,90%
Total	26.451€	22.212€	4.239€	16,03%