Family budget 2019 – Family budget over last 11 years.

This is 11^th year we are keeping our family budget formally, recording every expense and trying to make sense of it all at the end of the year. 

September 2019 update ($514,734 +$12,286 or +%2.4)

↑ Emerging Markets Stock Index Fund is up by $3,362 or +2.9%

↑ Eurozone Stock Index Fund is up by $4,232 or +3.7%

↑ US 500 Stock Index Fund is up by $2,283 or +1.8%

↑ Global Small Cap Index is up by $2,297 or +2.1%

↑ Vanguard FTSE U.K. All Share Index is up by $503 or +2.1%

↑ GBP to USD is up by $633 or +1.7%

↑ Additional cash to invest $1,159 under my pension plan.

Grand total additions: $14,469

↓ EUR is down to USD by $2,183 or -1%

Grand total losses: $2,183

August 2019 update ($502,448 -$16,373 or -%3.2)

↑ Additional cash to invest $1,203 under my pension plan.

Grand total additions: $1,203

↓ Emerging Markets Stock Index Fund is down by $4,691 or -3.9%

↓ Eurozone Stock Index Fund is down by $1,436 or -1.2%

↓ US 500 Stock Index Fund is down by $2,163 or -1.7%

↓ Global Small Cap Index is down by $3,900 or -3.4%

↓ Vanguard FTSE U.K. All Share Index is down by $748 or -3.1%

↓ EUR is down to USD by $4,340 or -2%

↓ GBP to USD is down by $303 or -0.9%

Grand total losses: $17,580

June 2019 update ($518,821 +$2,188 or +%0.4)

↑ Emerging Markets Stock Index Fund is up by $1,281 or +1.0%

↑ Eurozone Stock Index Fund is up by $149 or +0.1%

↑ US 500 Stock Index Fund is up by $1,765 or +1.4%

↑ Global Small Cap Index is up by $589 or +0.5%

↑ Vanguard FTSE U.K. All Share Index is up by $550 or +2.3%

↑ Additional cash to invest $3,494 under my pension plan.

Grand total additions: $7,828

↓ GBP to USD is down by $1,326 or -4.0%

↓ EUR is down to USD by $4,314 or -2%

Grand total losses: $5,640

June 2019 update ($516,633 +$28,734 or +%5.9)

↑ EUR is slightly up to USD by $2,063 or 1%

↑ Additional cash to invest $1,262 under my pension plan

↑ Emerging Markets Stock Index Fund is up by $4,728 or +3.9%

↑ Eurozone Stock Index Fund is up by $5,884 or +5.2%

↑ US 500 Stock Index Fund is up by $8,256 or +7%

↑ Global Small Cap Index is up by $6,206 or +5.8%

↑ Vanguard FTSE U.K. All Share Index is up by $585 or +2.4%

Grand total additions: $28,984

↓ GBP to USD is down by $250 or -0.9%

Grand total losses: $250

May 2019 update ($487,899 -$25,268 or -%4.9)

↑ EUR is slightly up to USD by $2,063  or 1%

↑ Additional cash to invest  $4,032 under my pension plan scheme

Grand total additions: $6,095

↓ Emerging Markets Stock Index Fund is down by $8,565 or -6.8%

↓ Eurozone Stock Index Fund is down by $6,642 or -5.6%

↓ US 500 Stock Index Fund is down by $8,143 or -6.4%

↓ Global Small Cap Index is down by $7,563 or -6.6%

↓ Vanguard FTSE U.K. All Share Index is down by $230 or -0.9%

↓ GBP to USD is down by $220 or -0.8%

Grand total losses: $31,363

April 2019 update ($513,167 +$17,838 or +%3.6)

↑ Emerging Markets Stock Index Fund is up by $3,693 or +3.0%

↑ Eurozone Stock Index Fund is up by $5,725 or +5.1%

↑ US 500 Stock Index Fund is up by $4,854 or +4.0%

↑ Global Small Cap Index is up by $3,447 or 3.1%

↑ Vanguard FTSE U.K. All Share Index is up by $79 or +0.3%

Cash to Invest  $2,832

Grand total additions: $20,546

↓ EUR is slightly down to USD by $2,116  or 1%

↓ GBP to USD is down by $592 or -2.6%

Grand total losses: $2,708