From ed0753ad224f0c65133bd7a63180257eecd9f5e3 Mon Sep 17 00:00:00 2001
From: Jasper Ras <jras@hostnet.nl>
Date: Wed, 8 Jan 2025 10:48:09 +0100
Subject: vault backup: 2025-01-08 10:48:09

---
 2 areas/Financien/Goede doelen.md     |  1 +
 2 areas/Financien/Inkomen.md          | 10 ++++++++++
 2 areas/Financien/Systeem.md          | 18 ++++++++++++++++++
 2 areas/Financien/vaste-lasten-abn.md | 12 ++++++++++++
 4 files changed, 41 insertions(+)
 create mode 100644 2 areas/Financien/Goede doelen.md
 create mode 100644 2 areas/Financien/Inkomen.md
 create mode 100644 2 areas/Financien/Systeem.md
 create mode 100644 2 areas/Financien/vaste-lasten-abn.md

(limited to '2 areas/Financien')

diff --git a/2 areas/Financien/Goede doelen.md b/2 areas/Financien/Goede doelen.md
new file mode 100644
index 0000000..7a9f896
--- /dev/null
+++ b/2 areas/Financien/Goede doelen.md	
@@ -0,0 +1 @@
+- KWF Kanker onderzoek: 5.- per maand
\ No newline at end of file
diff --git a/2 areas/Financien/Inkomen.md b/2 areas/Financien/Inkomen.md
new file mode 100644
index 0000000..4e1b787
--- /dev/null
+++ b/2 areas/Financien/Inkomen.md	
@@ -0,0 +1,10 @@
+# Idea
+
+# Active
+Hostnet
+
+
+# Passive
+Dividend
+
+# Past
\ No newline at end of file
diff --git a/2 areas/Financien/Systeem.md b/2 areas/Financien/Systeem.md
new file mode 100644
index 0000000..0ded6c9
--- /dev/null
+++ b/2 areas/Financien/Systeem.md	
@@ -0,0 +1,18 @@
+“It’s not about how much you make, it’s about how you manage what you make”
+
+# 15/65/20 system 
+15% rescue buffer:
+at least one month of critical living expenses buffer
+compound interest: investing less earlier pays off more (time matters)
+
+65% Fundamental expenses:
+Mortgage 
+Groceries
+Utilities 
+Everything required to live 
+65% is a hard cap to prevent these costs from ballooning
+
+Categorize spendings to be able to see where they go
+
+20% Guilt free enjoyment
+This can be used for anything we’d like to
diff --git a/2 areas/Financien/vaste-lasten-abn.md b/2 areas/Financien/vaste-lasten-abn.md
new file mode 100644
index 0000000..2566ae4
--- /dev/null
+++ b/2 areas/Financien/vaste-lasten-abn.md	
@@ -0,0 +1,12 @@
+Maandelijks
+- 16,93 Odido
+- 5,00 KWF
+- 4,99 HBO Max
+- 23,04 TAF overlijdensverzekeringen
+- 147,90 Univé 
+- 56,99 Univé 
+- 3,25 ABN
+- 
+
+Jaarlijks
+- July PDT 5,-
\ No newline at end of file
-- 
cgit v1.2.3