Savings plan 2026 – 2028

Femke Bosma & Joris Veenstra · Groningen · joint account NL24 RABO 0388 1147 62

Plan date

19 Aug 2026

Total target

€ 35.100,00

all goals combined

Saved so far

€ 15.450,00

across every pot

Per month

€ 1.725,00

required, all goals

Goals

on track behind reached
25% 50% 75% target
Emergency fund
by Jun 2027
Saved
€ 7.200,00
Target
€ 12.000,00
Per month
€ 480,00
60%

Three months of fixed costs. This pot fills first — nothing else is topped up while it is short.

Kitchen renovation
by Jun 2027
Saved
€ 4.050,00
Target
€ 13.500,00
Per month
€ 945,00
30%

Behind: € 945 a month is more than we can free up. At the € 600 we really set aside, the kitchen is funded Dec 2027, not Jun 2027 — so either the date moves or the worktop does.

Three weeks in Japan
by Feb 2028
Saved
€ 1.000,00
Target
€ 6.400,00
Per month
€ 300,00
16%

Flights for the sakura weeks go on sale around Oct 2027, so the pot only has to be full by Feb 2028.

New boiler (cv-ketel)
by Mar 2027
Saved
€ 3.200,00
Target
€ 3.200,00
Per month
€ 0,00
100%

Reached in Jun 2026. The money stays parked until the old boiler is finally swapped out in the spring.

Contribution schedule

Month Contribution Running total
Sep 2026 € 1.725,00 € 17.175,00
Oct 2026 € 1.725,00 € 18.900,00
Nov 2026 € 1.725,00 € 20.625,00
Dec 2026 € 2.925,00 € 23.550,00
Jan 2027 € 1.725,00 € 25.275,00
Feb 2027 € 1.725,00 € 27.000,00

Running total starts from the € 15.450,00 already saved. December includes the year-end bonus; nothing leaves the pots before Mar 2027.

Our saving rules

  • Move the money on the 25th, the day after salary — € 480 to the emergency pot first, then the rest.
  • Windfalls (holiday pay, tax refund) split 50/50 between the kitchen and Japan.
  • No pot is raided for another goal. If a date cannot hold, we move the date, not the money.
  • Whatever is still in the current account on the 24th, before salary lands, goes to the trip.
  • Sit down together every quarter and re-read this sheet before changing anything.