January 2026 update ($1,328,281 +$47,727 or +3.7%)

↑ Emerging Markets Stock Index Fund is up by $14,293 or +6.5%
↑ Eurozone Stock Index Fund is up by $6,532 or +2.5% 
↑ Standard and Poor’s 500 Index Fund is up by $7,089 or +1.4% 
↑ Global Small Cap is up by $10,939 or +5.5%
↑ Growth fund is up by $236 or +0.2%
↑ Additional investment savings $2,500
↑ EUR is up to USD by 0.8% or $3,797 for my portfolio
↑ GBP is up to USD by 2.2% or $2,341 for my portfolio
Total gains: $47,727

December 2025 update ($1,280,554 +$25,597 or +2.0%)

↑ Emerging Markets Stock Index Fund is up by $3,257 or +1.8%
↑ Eurozone Stock Index Fund is up by $5,307 or +2.4% 
↑ Global Small Cap is up by $1,817 or +0.9%
↑ Growth fund is up by $297 or +0.3%
↑ Additional investment savings $2,500
↑ EUR is up to USD by 2.6% or $10,862 for my portfolio
↑ GBP is up to USD by 1.5% or $1,557 for my portfolio
Total gains: $25,597

November 2025 update ($1,254,956 -$51,259 or -3.9%)

↑ Eurozone Stock Index Fund is up by $146 or +0.1%
↑ Global Small Cap is up by $3,825 or +2%
↑ GBP is up to USD by 0.8% or $776 for my portfolio
↑ Additional investment savings $2,500
Total gains: $7,247

↓ Emerging Markets Stock Index Fund is down by $6,090 or -3.2%
↓ US 500 Stock Index Fund is down by $47,819 or -8.4%
↓ Growth fund is down by $1,051 or -1.0%
↓ EUR is down to USD by 0.9% or $3,546 for my portfolio
Total losses: $58,506

Family Budget 2011-2025

 I kept logging my expenses without sharing them for the past three years. It’s time to catch up! Here how our family expenses look like over the past 14 years: 

October 2025 update ($1,306,215 +$86,934 or +7.1%)

↑ Emerging Markets Stock Index Fund is up by $11,653 or +6.4%
↑ Eurozone Stock Index Fund is up by $8,396 or +3.8%
↑ US 500 Stock Index Fund is up by $63,640 or +12.7%
↑ Global Small Cap is up by $1,693 or +0.9%
↑ Growth fund is up by $5,786 or +5.8%
↑ Additional investment savings $2,500
Total gains: $93,669

↓ EUR is down to USD by 0.9% or $3,426 for my portfolio
↓ GBP is down to USD by 3.0% or $2,966 for my portfolio
Total losses: $6,392

September 2025 update ($1,219,281 +$36,901 or +3.1%)

↑ Emerging Markets Stock Index Fund is up by $11,037 or +6.4%

↑ Eurozone Stock Index Fund is up by $3,641 or +1.7%

↑ US 500 Stock Index Fund is up by $14,574 or +3.0%

↑ Global Small Cap is up by $1,968 or +1.0%

↑ Growth fund is up by $3,182 or +3.3%

↑ Additional investment savings $2,500

Total gains: $36,901

 

August 2025 update ($1,182,380 +$25,393 or +18.6%)

↑ Eurozone Stock Index Fund is up by $833 or +0.4%

↑ US 500 Stock Index Fund is up by $9,482 or +2.0%

↑ Global Small Cap is up by $9,428 or +5.2%

↑ Additional investment savings $2,500

↑ EUR is up to USD by 0.9% or $3,301 for my portfolio

↑ GBP is up to USD by 1.5% or $1,436 for my portfolio

Total gains: $26,980

 

↓ Emerging Markets Stock Index Fund is down by $1,353 or -0.8%

↓ Growth fund is down by $234 or -0.2%

Total losses: $1,587