The 2020 luxuriously thrifty budget

Screenshot 2020-01-01 at 22.06.57

The 2020 budget – hopefully my 20/20 hindsight will match this plan


  • My pension contribution is currently 8% with an 8% employer match.
  • My income could be boosted by a (pro-rated) 10% bonus in March but I haven’t included that in my planning.
  • I haven’t tracked my spending for at least a year and a half now so this budget is currently hopeful and I might have to align it with reality later in the year.

If you’d like to see how things have changed over time then you might want to check out my 2018 budget.