Monday, October 13, 2014

Family budget comparison 2008 – 2014

Non-inflation adjusted table of our family finance for the last 6 years:
Family Financial Independence budget comparison

-         Education expenditure is up by ~$10,000.  Expect to remain stable next year.
-         Car insurance remained almost the same. However additional cost was two set of tyres (winter –summer) and annual service.
-         Miscellaneous expenditure was up due to the administration expenses (~$4,000).
-         Medical bills are up (additional dentist cost ~$2,700).
-         Bills are up (electricity and heating are up, etc).
-         Home, after extended period of time we started renewing some of the furniture – bed, carpets.  Additional electronics cost us  ~ $3,200.
-         Joy – $4,000 extra in comparison with last year. Two separate week breaks cost us $9,600 this year, which is $,2700 more than last year on the holidays. Another $1,300 increase came from random miscellaneous expenses.

Monday, October 6, 2014

October 2014 update ($ 318,479 -$13,808 or - 4.2%)

Accumulated $4,000 USD as part of my annual saving goal for October
Received $ 350 as quarterly dividends for my holdings in S&P500 and Emerging markets ETFs.
Vanguard S&P500 ETF gained $1,100
Grand total additions: US$ 5,450

EUR lost $11,983 towards USD
GBP lost $1,470 towards USD
RUB lost $900 towards USD
Vanguard emerging markets ETF lost $710
Gazprom shares lost $3,000
Company shares lost $670
Rosneft shares lost $525

Grand total losses: US$ 19,258