Are you happy with that?
“I think it’s absolutely fine. I did earn more before; there were months when 8,000 euros came in, but then I would spend just as much. I traded in my old Toyota for an Audi, we moved from a small social housing unit to a large semi-detached house. Everything was upgraded, but that didn’t make me happier. I had to work very hard for it and outrun myself. It just wasn’t worth it to me.
A few years ago, when my relationship ended, I realized that I had nothing to show for all that hard work. That’s when I then changed my whole lifestyle in order to manage my finances a little better. I started saving for my retirement, bought a small house and started to watch my spending. Now I’m in the position of having things pretty well sorted out. That gives me a lot of peace and freedom. I don’t need to make a lot of money. The less I spend, the less I need to work. People who don’t know me think I’m a bit of a slacker. And there actually are weeks when I don’t do anything, but I can afford that. I created that luxury myself. I’m very glad I made that choice, because otherwise I’d still be living from paycheck to paycheck, so to speak.”
How much do you have in savings?
“I usually keep around 10,000 euros purely as savings, and in addition I also have about 15,000 euros invested.”
What are your basic monthly expenses?
“In total, they amount to about 1250 euros. The largest part goes to housing costs, my mortgage at 750 euros a month and the VvE at 125 euros. I also pay 105 euros a month for electricity, 89 euros for health insurance, 38 euros for insurance for my camper and I have subscriptions to Spotify (10 euros) and Netflix (8 euros). Depending on what I earn, I also put some away every month for my pension or on my investment account. But that’s not a fixed amount every month.”
What else do you spend money on?
“Mainly on travel, groceries and fun things, like eating out with friends or a day trip. I usually keep around 500 euros for variable expenses every month. When I'm traveling, I don't necessarily spend more than I do in the Netherlands. I have more fuel costs, but otherwise the costs remain fairly similar. I often stay at free campsites and I really don’t eat out three times a week. You can make it as expensive or cheap as you want. As much as possible, I want to spend my money on things that really make me happy.”
What do you save on?
“On anything I’m not interested in: clothing, makeup, getting coffee from a coffeeshop, furnishings, subscriptions, insurance. When it comes to energy in the house, I’m also super frugal; I take quick showers and rarely turn on the heating. But I would never sacrifice my quality of life to save money. You don’t have to, it’s up to you. You just need a lot less than you think. I noticed that again during my travels in the past few months. I didn’t have much with me, but I didn’t miss a thing.”