Last month of the year, last occasion to reach any goals preset on that far away January 2021.
December should have been a cheap month.
Why? I had 2 on-call shifts, which usually keep me from being able to leave on the weekend for hiking trips, or any activities such as theatre, cinema or concerts.
But the toughest reason was due to 10 days of COVID quarantine. I woke up one day feeling horrible, pretty similar to the 2nd dose symptoms, times ten. High fever, muscle pains, running nose, trouble breathing, and much more.
And what's better than staying home 10 days, cooking the whole time and not doing any social activities at all for a FIRE person?
2 weeks out of it, I am unfortunately having a sort of long covid, but it's slowly getting better. I still have a weak sense of smell or taste, weak and painful lungs, I am out of breath after walking few hundreds meter, even though I'm a young sporty person.
Though, it came out to be a normal spending month, damn it!
Few medicine we had to buy for covid boosted a little bit the monthly expenses, and in addition we bought some 18th century Japanese prints (yup, we are sort of art collector).
But the year happily ended celebrating it with my gf and her family and then with some friends. Just a lovely fresh start for 2022.
Not let's see the numbers!
Income CHF 9'154 (CHF +1116 vs November)
1020 CHF of Divideeeends.
After being a client of Helsana for 5 years, I just discovered their Helsana+ application, where you can accumulated points by doing sports (walking everyday, yoga, jogging), answering quiz, reading articles and much more.
You can redeem this point for either coupons or money, and of course I rather have cash, than being incentivised to spend more money with a coupon. And how much money did I get from mostly walking everyday to/back from work or during the weekend? a lovely amount of 200 chf.
Which is enough to cover my complementary insurance. Shame I didn't discover this program before.
For whoever is subscribed with Helsana (or plan to), you can use the following referral code in order to gain additional points to install your Helsana+ application.
[ref code zTp8B8]
And let's finally see for this special edition some additional graphs.
How much did I earn this year, and what were the source of the various income?
In 2021 I had a total income of more or less 112'700 CHF.
I say more or less due to the fact that my first few months were taxed on the income (permit B) and therefor I've already paid around 5400 CHF of tax out of the total amount that I will have to pay.
- Salary (before tax, after contributions) => 103'200 CHF
- On-call shifts => 2'056 CHF
- Dividends (still to get the taxed part back) => 2'556 CHF
- Others (various refunds/redeem) => 4'885 CHF
Expenses CHF 2'264 (CHF -160 vs November)
As said above, it could have been a cheaper month... but it's still amazing, given the fact that more than half to if it's basic needed things (rent, health insurance etc)
- Housing: CHF 843.75 - The second cheapest of the year. Not much grocery due to quarantine and no bills to pay.
- Health: CHF 434.55 - Covid medicines made the difference
- Personal: CHF 986
- Transport: 0
- Holiday: 0 - it's actually the first time of the year where I didn't move out of the city at all.
But we are here for the YTD numbers! we want to know!
- Housing: CHF 17'800
- Health: CHF 4'685
- Personal: CHF 7'416
- Transport: CHF 587
- Holiday: CHF 2'030
- Total: CHF 32'530
Next year it should be better!
I've switched to a new health insurance. It's technically 30chf more expensive than my current Assura one, but my job pays a contribution of 70chf, therefor I will start saving 480chf per year of health insurance.
They also pay my bus pass, which is an other 500chf saved.
Moving with my gf had a beginning cost, also due to the little legal case we had opened with the Regie to try to decrease the pumped rent price.
No more furniture to buy and no more legal cases should make us spend 7'500 chf less.
Will this be true? Will I be able to end 2022 with a Yearly spending of 25k? We will see.
Saving Rate 75.29% (+5.42% vs November)
We made it! 5 months in a row of SR above 70% yuppy-yuuuuh.
Though, due to that horrible March when I moved with my gf... no wait, it sounds horrible like this! I mean that due to the expense we had to face that month, with a horrible SR of 23%, even if I had 7 months above 70%, and 3 around 60%, I've still ended the year with an average of 67%.
Net Worth CHF 348'222 (CHF +7'959 vs November)
Really disappointed... as we will see below, for the crypto was a really horrible month... it kind of countered my stock's one.
But what makes me sad it's that I didn't reach the 350k target, even though I was not even thinking to reach 300k, as I've started the year at 210k
And to wrap it up, I end 2021 reaching 30.49% of my FIRE journey.
Stocks Investing CHF 234’153 (CHF +6'030 vs November)
The market has been generous and tried its best to help me to the 350k
Crypto Investing CHF 20'825 (CHF -5'560 vs November)
You didn't. Not a single crypto had a positive return this month
With not too much to add to stocks/crypto I end up this post, and this year and wish everybody an amazing and frugal 2022!
