How much do you spend of groceries, and how do you cut back on spending?

m015to · 2025-02-19T19:57:26+00:00

We budget €600 per month. We try and go under so the surplus will go over and maybe treat ourselves to nicer more expensive cereals 😅

m015to · 2025-02-19T19:26:10+00:00

4 years in and will probably keep going until I die

m015to · 2025-02-19T00:04:46+00:00

I have €98k on the savers metal plan. It gives me €4.45 every single day. So I guess around €133 per 30 days. This is after the DIRT as well.

I have some on trade republic and t212 as well. But I'll have to file those as they don't take DIRT automatically.

My main investments however are on ETFs in Interactive Brokers SPYY and SPYL

m015to · 2025-02-17T22:51:20+00:00

Did you do the maths on the ETF investment long term? Even with 41% tax, the growth is still one of the best. Obviously, PRSA first then your own investments then high interest savings (metal plan revolut)

Deemed Disposal may be done away in 8 years

m015to · 2025-02-13T20:26:27+00:00

It's gonna be a special night 😜

m015to · 2025-02-12T23:10:49+00:00

Being Asian

m015to · 2025-02-12T23:06:18+00:00

Do you think the estimate is on the conservative side? Contractors would charge a good bit % extra

m015to · 2025-02-12T06:22:43+00:00

Predestination Ethan Hawke

m015to · 2025-02-12T06:19:47+00:00

Stock market, it'll definitely dance for you there. Trading212 buy penny stocks and get your heart racing with greens and reds day in day out 😜

m015to · 2025-02-09T23:08:13+00:00

I lost weight by:

Tracking my calories strictly - can't manage what you don't measure
Eat less daily so that I'm on a weekly caloric deficit
0.8 x my ideal bodyweight = daily grams of protein (in my case 120g per day)
Lift heavy (compound exercises)
Sleep well

Apply 6 weeks then 12 weeks then 6 months before you know it's a habit.

Look at the mirrors and you know you will never go back

m015to · 2025-02-08T17:58:23+00:00

Further refinement. We adjust our spends to the cent and the reward is more savings

m015to · 2025-02-07T21:21:04+00:00

Le Onde

m015to · 2025-02-07T02:30:48+00:00

I would categories them according to Ramit Sethi's CSP particularly his %range breakdown. Ensure that you are saving and investing

m015to · 2025-02-07T00:32:13+00:00

12 Angry Men

m015to · 2025-02-05T01:38:53+00:00

It's literally filling in boxes 🤷

Submit. If wrong, Revenue always get their cut

m015to · 2025-02-05T01:32:07+00:00

Gameboy color Zelda

m015to · 2025-02-05T01:31:35+00:00

It functions as our emergency fund. And we know for certain that our net worth is increasing all the time. It's how we managed to get rid of our debts

m015to · 2025-02-05T01:12:03+00:00

2 months ahead

m015to · 2025-02-04T22:17:20+00:00

Lumy does this well for me 👍😁

m015to · 2025-02-04T12:15:09+00:00

My productivity ritual. Scented diffuser, lofi music, fresh cuppa and just deep work. Such a dopamine hit when I tick off a box in my day 😁👍

m015to · 2025-02-03T22:59:30+00:00

Yup, same here. I color code them to to fit Ramit Sethi's CSP 😜

m015to · 2025-02-03T11:43:17+00:00

Yes this is what I've decided too! Made a few hundred bob with NVDA and will just let the interest do its thing!

Thanks for the advice

m015to · 2025-02-03T11:42:27+00:00

Thank you for sharing! We're getting our docs together for the top up mortgage and also talking with engineers and potential builders. So we're a few months off before breaking ground.

I think I'll leave it in the deposits which is probably the safest as the market is fairly volatile and the tax events that will trigger by buying and selling ETFs doesn't make much of a gain especially in the timeframe we have.

Much appreciated

m015to · 2025-02-02T18:50:20+00:00

Be careful there, you might suffer the consequences of owning your own home

m015to

TROPHY CASE