2017 was the first year we started tracking our finances. This was also the first year we started saving money. And we did it aggressively. Dual income, no kids, and a frugal lifestyle, so we nailed it! This was the year of getting rid of old habits and acquiring new ones. All of this thanks to episode 221 of Timm Ferriss podcast with Mr. Money Moustage. Total game-changer for us.
- Income₽3,307,218No data for 2016
- Spending1,323,581No data
- Savings1,983,637—
- Savings rate59.98 %+59.98 %
Income
| Investments | 0 | We had some dividend income. I'll add it later. |
| Paycheck | 2,353,332 | I worked as a designer at Yandex. Nastya is a hairdresser working with individual clients. |
| Side hustle | 376,400 | Some design work on weekends and commute trips. |
| Interest | 58,036 | Interest on debit card funds and cashback. |
| Stuff sales | 175,850 | We sold audio equipment and Nastya's bicycle this year. |
| Presents | 76,500 | Thanks to the family for the generous gifts. |
| Other | 267,100 | Tax refund and BlaBlaCar drives with strangers. |
Expenses
| Housing | ₽333,374 | |
|---|---|---|
| Rent | 0 | We lived in our own apartment. So nothing here. |
| Mortgage | 0 | No mortgage. Woo-hoo! |
| Utilities | 42,454 | We didn't optimize anything here. But we love 2-minute showers. |
| Tax | 832 | TODO: taxes |
| Repairs | 290,088 | After spending ₽1,000,000 here in 2016, we started to make our own furniture and paint the walls ourself. Our finished appartment (2018) on the-village.ru |
| Food | ₽198,959 | |
| Groceries | 145,140 | Really low here thanks to the employer. |
| Eating out | 50,137 | Most of our eating out were sponsored by the employer. |
| Alcohol | 3,682 | Wow! Almost a sober year. |
| Transportation | ₽127,140 | |
| Gas | 12,615 | Most of our trips were to hardware stores. And highway driving almost all the time. |
| Maintenance | 19,771 | Opel Meriva is a pretty durable car. 150 000 km and just regular maintenance. |
| Car Tax | 3,061 | TODO: taxes |
| Insurance | 17,540 | Nastya got her license. Huge up here. |
| Parking | 0 | No driving to the city—no parking. |
| Public transport | 66,365 | Metro and bus. |
| Car rent | 0 | No car sharing this year. |
| Taxi | 7,788 | Nastya’s after-work drives and some of our late nights together. |
| Medicine | ₽137,921 | |
| Health Insurance | 0 | My insurance was paid by the employer. Nastya had basic government insurance. |
| Doctor visits | 130,550 | Nastya’s orthodontist and some analyses. |
| Pharmacy | 7,371 | Dental supplies and medicine. |
| Life | ₽337,477 | |
| Entertainment | 12,581 | Tickets to In Flames, Bullet For My Valentine, Nogu Svelo. A whole lot of fun this year! |
| Education | 99,216 | Nastya took English, driving, and haircutting classes. I took a carpenter class and paid for English video sessions on italki. |
| Sport | 2,071 | Only a pull-up bar in the office. So no spending here. |
| Hobbies and arts | 4,731 | My folk-singing classes. |
| Clothing | 33,590 | Nastya’s dresses. Ha-ha! Don’t remember exactly what we bought here. |
| Tech & Gadgets | 31,773 | This year we bought a cheap amplifier instead of an expensive one. And Moto G5 Plus after my phone was broke. |
| Home stuff | 22,342 | IKEA for our apartment. |
| Work supplies | 9,800 | This is Nastya’s hair trimmer. |
| Household goods | 12,719 | Washing supplies etc. |
| Cell phone | 11,020 | Regular expenses for the mobile operator. |
| Subscriptions | 9,613 | Grammarly, Evernote, domain, and site hosting. |
| Personal | 48,374 | This is a special category for Nastya’s spending :) |
| Misc | 39,647 | The major part is my Craiglist bicycle. The second major part is old debt repayment. |
| Travel | ₽126,053 | |
| Hotels | 26,432 | Trips to Greece and Hungary on Christmas. |
| Travel Transportation | 33,559 | I like to split up our travel expenses to see what's going on. |
| Travel Entertainment | 35,200 | Boat to Chrysi island. Ski-passes for snowboarding in Slovakia next year. |
| Food and other | 30,862 | Mostly eating out. |
| Donations | ₽55,460 | |
| Presents | 49,073 | We visited Nastya's family in Hungary. The major part is the gifts. |
| Parties hosting | 5,337 | Some rare parties. |
| Charity | 1,050 | To our shame almost nothing here. |
| Government | ₽7,197 | |
| Taxes and fees | 760 | Our taxes were paid by the employer. We actually don't see how much we pay taxes in Russia. This is terrible. People don't ask for the service they paid for. |
| Fines | 6,437 | We left our car in an inappropriate place. |
Technologies used: D3.js, GatsbyJS. View source code on Github.
All data was meticulously gathered with a great help of Google Sheets.
JSON for the project was generated with Export Sheet Data Plugin.
All data was meticulously gathered with a great help of Google Sheets.
JSON for the project was generated with Export Sheet Data Plugin.