Cory Diary : Family Expenses - Oct'25 Updated

Yesterday marked the final day that Rui will attend the nanny's care. This change will modestly reduce our overall costs while freeing up time previously spent transporting her back and forth in-between school and home.

A key clarification on our expense tracking: it excludes taxes and rental support. My assumption is that our income will comfortably cover these items, making them unlikely to become issues. With the primary objective for the retirement phase, our focus remains squarely on daily family essentials. This consistent methodology applies across all tracked expenses.

On a positive note, our lagging 12-month expenses continue to trend downward, reflecting ongoing efficiencies. See above.

That said, the average of the most recent five months shows an uptick. This indicates that short-term expenses may stabilize or begin to fluctuate unless additional adjustments are made.

Next Step, to monitor the change implication, if any.

Cory Diary

2025-11-1

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Disclaimer: The articles presented in this blog reflect personal opinions and are intended for informational and sharing purposes only. Not responsible of errors. Readers are advised to seek professional guidance when making financial decisions and should take full responsibility for their choices.