Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. I increased my monthly savings by another £1,200 this month as I realised I’m probably keeping a little too much as an emergency fund at around £13k. After calculating our budget last month , this figure would cover 12 months of expenses for both me and my wife, and she has a few thousand pounds as an emergency fund too. These new monthly contributions should see my emergency fund drop slowly over the coming months until it’s at a more appropriate level. ...

Before moving to Sweden everyone told me how expensive it would be to live here. Even fellow bloggers scoffed at the prospect of the _Saving_Ninja moving to Sweden!? The country with one of the highest income tax and VAT rates in the world! I wouldn’t be able to call myself the SavingNinja for much longer, they said. When I first arrived here, I found it hard to swallow the insanely high food prices, it seemed everything that we usually bought back in the UK was at least 3 times as expensive, sometimes even more than that. Eating out was another big shock, paying over £25 for a main course per person is the norm in any type of restaurant here, even for a burger and chips. ...

Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. The markets rebounded a little this month earning my portfolio a 2.33% gain across the board. I’m in slightly uncharted territory right now as my net worth and invested amount goals for the year were 250k and 200k. I flew past those figures already and there are still 4 months left of 2021! ...

Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. Another month, another slow upward climb of my finances. My pre-pension pot is growing quite nicely, almost at that special £100k figure. Although it sucks that £60k of that is in a UK ISA which would be subject to 30% capital gains tax if I ever withdrew it whilst living in Sweden. I really should have withdrawn it before I left the country. It was so difficult to predict whether to withdraw, as if I ever came back to the UK, I would have preferred to leave it in. ...

Click here to see all of my past Savings Reports and view my interactive net worth chart Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. This is my 36th Savings Report. I’ve been writing to you, every month, for 3 years in a row. Crazy, right? ...