It’s that time again – my savings update. This month I put a lot of effort into developing a spending tracker so I can accurately calculate my savings rate. I had previously been using a theoretical savings rate based on my budget. However, as we all know, sometimes we go a bit off course and I need the data to reel that back in. I now have that data but first the figures in a spreadsheet. The Figures My Saving rate for Nov 2019 was 84%. Yes, I was as astonished as you perhaps are. I actually … Continue reading Savings update Nov 2019