Kituuttaja

In the cold, relentless grind of modern life, there exists a man named Bogle. He is no ordinary man, for he lives by an ancient and sacred code: the art of kituuttaminen. He doesn’t just survive; he thrives on less. He sees potential where others see scarcity. He bends his finances to his will, squeezing every last drop of value from the euros he earns. This is his tale. ### 2022: The Awakening Bogle entered 2022 with 36,503 euros to his name. His needs were basic: a roof over his head, food on the table, electricity, and maybe a functioning internet connection. He shelled out 11,413 euros for the bare minimum—mortgage payments, utilities, and groceries. His “extras” were almost non-existent, and even if they did slip in, they were minimal—just enough to keep him human. By year’s end, his savings rate stood proud at 56.3 percent. He had done it: Bogle had become a master of scrimping. His legacy had begun. ### 2023: The Empire Grows With the momentum of 2022 fueling him, Bogle ramped up his income to a cool 40,885.75 euros in 2023. Yet, the empire of scrimping faced new challenges: costs began to rise. His housing payments crept upward. His grocery bills swelled. But even as his expenses hit 13,993.44 euros, Bogle held the line, saving 22,902.12 euros. His kituutusprosentti barely budged, sitting strong at 56.0 percent. Bogle was disciplined, focused, and unwilling to break his code. ### 2024: The New Dawn As 2024 dawned, Bogle set out to push his limits even further. By August, his income was 27,243 euros, and though his spending was a bit looser than before, he was still keeping his frugal fortress intact. 11,967 euros had been spent on the necessities—mortgage, food, phone bills—but the extras were barely a whisper. Bogle’s scrimping remained consistent at 56.1 percent. He was still ahead of the game. ### The Rollercoaster of Scrimping: 2024 in Detail Each month of 2024 told a different story. January started slow, with Bogle saving 51.8 percent of his income. He wasn’t satisfied. February was better—a mighty 69.5 percent, as he tightened his grip on his wallet like a man clinging to his last breath. March followed with 60.1 percent—respectable but not quite the perfection he sought. In May, the discipline wavered. The savings rate dropped to 37.9 percent, a low point. But Bogle, ever the scrimper, recovered in June, hitting 72.4 percent, reclaiming his status as the king of frugality. ### The Legacy Continues By August, Bogle had saved more than 15,000 euros in 2024 alone. Some might question his ways, wonder how he lives on so little, how he enjoys life. But Bogle knows something they don’t: freedom lies not in spending but in restraint. Every month, he chips away at the chains of financial dependence, carving out a life built on savings, control, and absolute dedication to his kituuttaminen code.