Breakdown of my expenses – how can I optimise? : eupersonalfinance


https://imgur.com/a/w9ZpoCd

I stare at this spreadsheet of my expenses almost daily.

I live in the metro area of a northern European city. I own a car that is garaged, can’t park it on the street for a few reasons (no space, slightly sketchy area).

Other people seem to be very efficient at putting savings away but I feel like it would be impossible to save any more than 20% of my net pay. Any advice?



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