November 2015 update ($302,754 -$4,084 or -1%)

↑ Accumulated $4,000 USD as part of my annual saving goal for September

↑ iShares Core DAX are up by 404 USD

Grand total additions: US$  4,404 USD

↓Emerging markets ETF lost $223 USD

↓Gazprom shares lost $1,325 USD

↓Company shares combined lost $236 USD

↓British pound is lost to USD 3% over one month, for my portfolio it is $2,521 USD

↓EUR lost to USD or $3,721 USD

↓Precious metals lost $462 USD

Grand total losses:  US$  8,488

Financial Independence Family Budget 2007 -2015. 2015 - $92,814 USD

       We have started our family budget, tracking all expenses back in 2007. Initially it was looked at as fairly cumbersome and time consuming exercise.  However, over the period of a few years we educated and trained ourselves to spend 5 minutes a day  in the evening to record all expenses.

       Now with the statistic we could more accurately predict and plan our expenses. It also  helps to clarify some fallacies and incorrect assumptions. For example, as a young parent when you look at nursery cost you think that over the period of time, as your child grows it will be cheaper. Our personal experience clearly tells that it is not happening, nurseries keep rising fees and even at “low inflation” you are lucky if you keep paying the same prize.  However, enough of that, let’s go directly to figures and who we spent $92,814  vs. previous 6 years.

October 2015 update ($306,838 +$19987 or +7%)

↑ Accumulated $4,000 USD as part of my annual saving goal for September

↑ Vanguard Emerging markets is up by $1,545 USD.

↑ Vanguard S&P 500 is up by $4,435 USD

↑ Gazprom shares are up by $13,160 USD

↑ Company shares are up by $1,912 USD

↑ Rosneft shares are up by $1,176 USD

↑ iShares Core DAX are up by 1,209

↑ GBP is up to USD slightly $604 USD

Grand total additions: US$  28,041 USD

↓ Precious metals are down by $614 USD

↓ EUR is continue to fall to USD $7,440

 Grand total losses:  US$  7,219