2021 felt pretty normal. I went back to my job, and missis stayed at home with the kid. We did some house flipping and finally found a nice house where we want our child to grow. We planned to spend on the house way less than it cost, and it will move our FI date forward a few years. But we think it will bring us happiness and peace. So that's the plan.
- Income₽3,248,576+67.12 %
- Spending1,468,306+35.22 %
- Savings1,780,270+107 %
- Savings rate54.80 %+10.66 %
Income
| Investments | 99,929 | -71 % | We sold both of our investment properties this year to buy a house. Being a landlord turned out not as fancy as I expected. |
| Paycheck | 2,545,893 | +700 % | Our main source of income this year. |
| Side hustle | 180,500 | -77 % | Somehow I managed to do some side work. |
| Interest | 77,889 | +273 % | Fancy cashback and interest on cash account. |
| Stuff sales | 134,900 | +10 % | This is something we bought this year and sold afterward. |
| Presents | 45,000 | -36 % | Thanks to friends and family! |
| Other | 164,465 | -42 % | Restricted share units from my employer. |
Expenses
| Housing | ₽126,709 | +143 % | |
|---|---|---|---|
| Rent | 99,144 | — | Most of the year, we lived in a brother's apartment. He didn't take rent from us, but we bought some furniture instead. In December, we rented a spacious apartment closer to our new home. |
| Mortgage | 0 | 0 % | We're going to close on our new home with cash. So, no mortgage again. Yey! |
| Utilities | 26,579 | -48 % | We paid for utilities for four months only. |
| Tax | 986 | -23 % | Residence tax for two small properties. |
| Repairs | 0 | 0 % | No repairs for a year. |
| Food | ₽390,009 | +27 % | |
| Groceries | 314,836 | +20 % | Official inflation on groceries in Russia in 2021 was 10,62%. On the other hand, my employer paid for lunches and dinners on the workdays. So, definitely, some lifestyle inflation crept in. |
| Eating out | 74,893 | +89 % | It's almost twice on eating out. But still a moderate number. |
| Alcohol | 280 | -94 % | Fully sober year for me. And one sider for the missis for a whole year. |
| Transportation | ₽162,769 | +142 % | |
| Gas | 2,531 | -86 % | We bought used Opel Meriva B with 80,000 miles on it at the end of the year. |
| Maintenance | 28,861 | +34 % | New tires, oil change and some maintenance for a used car. |
| Car Tax | 2,377 | -14 % | Tax for our previous car. |
| Insurance | 0 | -100 % | It went to the next year. |
| Parking | 6,200 | — | We rented apartment with underground parking lot. |
| Public transport | 41,485 | +614 % | Commute to the center of Moscow. Metro and a bus. |
| Car rent | 26,190 | +664 % | We were car-free for the whole year. So we used car-sharing. |
| Taxi | 55,125 | +630 % | And a taxi when we couldn't use car-sharing. |
| Medicine | ₽71,365 | -46 % | |
| Health Insurance | 23,261 | — | Employer-sponsored super fancy insurance. |
| Doctor visits | 14,207 | -85 % | We visited doctors a lot this year. And sometimes it wasn't covered by the insurance. |
| Pharmacy | 33,897 | -9 % | COVID rehabilitation, vitamins, and kid medicine. |
| Life | ₽425,047 | +31 % | |
| Entertainment | 22,214 | +408 % | This year we entertained our kid only. No concerts, no movies for ourselves. Children took most of your free time. |
| Education | 17,119 | +2,579 % | Again, this was pre-kindergarten for the kiddo. |
| Sport | 24,183 | +112 % | Snowboarding in Moscow and some new dumbbells. |
| Hobbies and arts | 0 | -100 % | No time for that too. |
| Clothing | 76,874 | +183 % | New clothes for the family. |
| Tech & Gadgets | 99,923 | -29 % | New Yandex Station smart speaker to fill our house with nice music. AirPods Pro and new iPhone 12 for me. |
| Home stuff | 8,703 | +12 % | Some kitchen and baby stuff. |
| Work supplies | 50,819 | +177 % | LG Ultrafine 4k monitor. I tried to work from home for the first month. But it was hard to do in one bedroom apartment with the kid. So I sold the monitor and started to commute to work almost every workday. |
| Household goods | 11,870 | -19 % | More laundry as a kid grows up. |
| Cell phone | 6,800 | -14 % | Same plan as before. |
| Subscriptions | 856 | -65 % | I canceled my Spotify subscription this year. Instead, I used Yandex Music, which I got for free from my employer. So, this minor expense is the domain for this site. |
| Personal | 61,008 | +20 % | Expenses on diapers went down, but on beauty products went up. |
| Misc | 44,678 | +19 % | Expenses for finding a good car, new car seat. |
| Travel | ₽169,152 | +57 % | |
| Hotels | 48,911 | -3 % | Snowboarding trip to Sochi and local travel. |
| Travel Transportation | 89,194 | +144 % | Airplane tickets to Sochi and train tickets. |
| Travel Entertainment | 12,550 | -13 % | Ski-pass for one week. |
| Food and other | 18,497 | +199 % | Food for Sochi trip. |
| Donations | ₽96,172 | +41 % | |
| Presents | 62,415 | +55 % | Giving away is fun and fulfilling. |
| Parties hosting | 32,707 | +28 % | Nastya's birthday party. And first real Leo's party with guests, presents and playground. |
| Charity | 1,050 | -58 % | Gotta improve in this category. |
| Government | ₽27,083 | -0 % | |
| Taxes and fees | 26,833 | 0 % | This is mainly a tax on free food from an employer, which is not entirely free. |
| Fines | 250 | -38 % | One single mistake while driving in the city. |
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.