Historia

In 2018, Bogle made a pivotal decision that changed the course of his financial life. Frugality became serious business, and budgeting turned into his new passion. His income was modest, only 26,108 euros, but his strict saving strategy pushed his *kituutusprosentti* to a solid 60.4 percent. He spent only 104 euros on non-essentials throughout the year, reflecting his uncompromising financial discipline. This year marked the beginning of his financial success, and Excel spreadsheets became a regular part of his daily life. In 2019, a small bonus increased his income to 32,655 euros. Yet, his *kituutusprosentti* continued to rise, reaching 65.4 percent. Travel costs stood out, as they were notably high before the pandemic, but Bogle stayed on track with his savings plan. His budgeting skills improved steadily, and this year signaled a growing sense of financial stability. His investment portfolio continued to expand at a steady pace. In 2020, the pandemic hit, and travel costs disappeared entirely. This freed up space in Bogle’s budget for other expenses, and he spent 368 euros on fitness. His passion for saving didn’t fade, with his *kituutusprosentti*. Though the pandemic brought significant changes, Bogle saw it as an opportunity to strengthen his savings and invest in the future. In 2021, Bogle made a major investment in his home, spending a total of 8,349 euros. The rise in remote work motivated him to improve his living environment. Although his expenses increased, his commitment to saving remained strong, and his *kituutusprosentti* was still 49.5 percent. This year showed that large investments don’t prevent financial success, as long as the budget is carefully managed. In 2022, inflation hit hard, driving up many living costs. However, Bogle’s *kituutusprosentti* increased to 56.3 percent, as he made even more meticulous financial decisions. Despite rising costs, he stayed true to his savings goals, ensuring that his financial beliefs remained intact. In 2023, Bogle experienced a personal shift, starting regular workouts and intermittent fasting. This also reflected in his budget, as fitness expenses grew, but his “market value in the mirror” improved significantly. His *kituutusprosentti* held steady at 56 percent, and Bogle realized that financial discipline also translated into physical well-being. In 2024, the same pattern continues, with no major investments planned, but his *kituutusprosentti* remains solid at 55.4 percent.