In 2018 we did pretty much the same as what we did in 2017. Working, side-hustling, and saving as much as we can. Although we didn't compromise on our happiness. This year we traveled to Europe and Caucasus mountains. We made some expensive purchases. We bought our first investment property. And we did some drastic changes at the end of the year!
- Income₽3,279,557-0.84 %
- Spending1,172,703-11.40 %
- Savings2,106,854+6.21 %
- Savings rate64.24 %+4.26 %
Income
| Investments | 0 | 0 % | We had some dividend income. I'll add it later. |
| Paycheck | 2,369,102 | +1 % | Almost identical to the previous year. |
| Side hustle | 682,450 | +81 % | Some more hustling before big changes. |
| Interest | 19,225 | -67 % | Interest on debit card funds and cashback. |
| Stuff sales | 153,930 | -12 % | This year we embraced minimalism and started getting rid of the stuff. We sold valuable books, gadgets, home stuff, etc. |
| Presents | 28,500 | -63 % | Thanks to all friends and family! |
| Other | 26,350 | -90 % | Our second and last year with BlaBlaCar. Great time! |
Expenses
| Housing | ₽87,582 | -74 % | |
|---|---|---|---|
| Rent | 2,000 | — | At the end of the year, we sold our apartment. So we became renters. For this year it was only one night. |
| Mortgage | 0 | 0 % | We had a mortgage for the investment property. But none for the apartment we lived. |
| Utilities | 55,068 | +30 % | Electricity, water, apartment building service. |
| Tax | 2,842 | +242 % | Residence tax for the previous year. |
| Repairs | 27,672 | -90 % | This is where things shrank. Almost all the work to finish our apartment I made myself. We ended up selling this beauty. |
| Food | ₽208,921 | +5 % | |
| Groceries | 152,945 | +5 % | We cooked only breakfasts and dinners. |
| Eating out | 47,182 | -6 % | Most of our eating out were still sponsored by the employer. |
| Alcohol | 8,794 | +139 % | Beer for me, wine for missis. |
| Transportation | ₽160,621 | +26 % | |
| Gas | 26,829 | +113 % | Driving to buy some materials for the home. Gas for our travels is in a different category. |
| Maintenance | 38,258 | +94 % | First major car repair. This time something went wrong with ESP. |
| Car Tax | 2,374 | -22 % | TODO: taxes |
| Insurance | 14,647 | -16 % | Nastya's second year of driving. Premiums are still high. |
| Parking | 0 | 0 % | No driving to the city—no parking. |
| Public transport | 72,758 | +10 % | Monday—Friday commute to the center of the city. |
| Car rent | 144 | — | One car-sharing trip for the year. |
| Taxi | 5,611 | -28 % | Nastya took fewer working hours. So, fewer taxi rides. |
| Medicine | ₽36,011 | -74 % | |
| Health Insurance | 10,709 | — | Got employer insurance for the family with 80% off. |
| Doctor visits | 11,000 | -92 % | Doctor visits that were not covered by insurance. |
| Pharmacy | 14,302 | +94 % | Vitamins and hormones. |
| Life | ₽350,234 | +4 % | |
| Entertainment | 3,916 | -69 % | Renting movies on Google Play and iTunes. |
| Education | 9,102 | -91 % | English video sessions on italki. |
| Sport | 129,584 | +6,157 % | Hiking and snowboarding gear. |
| Hobbies and arts | 2,100 | -56 % | Few folk-singing classes. |
| Clothing | 33,944 | +1 % | More Nastya's dresses. |
| Tech & Gadgets | 107,439 | +238 % | Used Macbook Pro, Google Pixel 3 for great photos. |
| Home stuff | 0 | -100 % | This was the year of getting rid of the home stuff. |
| Work supplies | 400 | -96 % | My working equipment was sponsored by the employer. |
| Household goods | 13,557 | +7 % | Cleaning, washing, toiletries, etc. |
| Cell phone | 9,985 | -9 % | This year we switched to a limited discount plan thanks to our friend. |
| Subscriptions | 1,444 | -85 % | Evernote and domain name. |
| Personal | 24,750 | -49 % | Nastya made some progress here. |
| Misc | 14,013 | -65 % | Some repairs and other spending. |
| Travel | ₽226,197 | +79 % | |
| Hotels | 44,451 | +68 % | Snowboarding in Slovakia and Saint-Petersburg. Summer trip to the mountains, Helsinki, and part of our next big trip. |
| Travel Transportation | 49,145 | +46 % | This was a year of car trips. We took only one flight to Helsinki. |
| Travel Entertainment | 76,200 | +116 % | Two season ski-passes for the next year. |
| Food and other | 56,401 | +83 % | Eating out and cooking in Airbnb rentals. |
| Donations | ₽87,995 | +59 % | |
| Presents | 62,527 | +27 % | Birthday presents, help to Nastya's sister. |
| Parties hosting | 24,868 | +366 % | Birthday parties for both of us. |
| Charity | 600 | -43 % | To our shame almost nothing here. |
| Government | ₽15,142 | +110 % | |
| Taxes and fees | 12,870 | +1,593 % | Income taxes and fees for selling sister's property. |
| Fines | 2,272 | -65 % | Almost good citizens. |
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.