January was fairly frugal. I did have two larger expenses that I knew were coming: a spa day with my mum that we gave each other for Christmas/birthday present and paying for our skitrip that’s coming up in March. These I have taken from my fluid savings account that I use for trips, activities and also as a buffer for expenses like dentist and so on. I also invited my girlfriends to a brunch to celebrate my birthday which was a out of the ordinary but other than that spending was low this month. I haven’t done anything special on the frugality front but been focusing on my new job which in turn has lead to not spending much money.

On the front of public transport and lunch connected to my new job I bought a public transport card but have been able to eat lunchboxes every day which I will continue to do! The lunches are the important one since a lunch in town costs a lot of money. The calcualtions: lunch costs around 100kr times 20 which is 2000kr a month. Minus of course around 30kr per homemade lunch box which is 600kr so that equals 1400kr a month saved!

Buying a public transport card cost me 860kr for a month and if I don’t have one I buy tickets that usually land on about 400kr a month so the card cost me an extra 460kr. I still have to fix my bike and it has been really cold and a lot of snow so it has been worth taking the underground so far. I’ll probably buy a card for next month too and then I’ll start biking in March.