Kituuttaja

(Instrumental intro) Bogle’s Anthem of Scrimping: A Tale of Tightening Belts It all started back in 2022 when Bogle decided that frugality wasn’t just a hobby—it was a lifestyle. He wasn’t playing games; he had a plan. That year, he pulled in 36,503 euros—not too shabby. But Bogle wasn’t the type to let the cash burn a hole in his pocket. No, he had other plans. Out of that chunk, a modest 11,413 euros went to “needs”—the so-called essentials. Think mortgages, utilities, groceries. You know, the boring stuff. Even with all that, his "scrimping percentage" hit 56.3 percent. More than half of what he earned stayed right in his pocket. Not bad. Then came 2023. His income jumped to 40,885.75 euros, but so did those "needs." 13,993.44 euros went towards keeping the lights on and the fridge full, with a bit more room for random indulgences—like a bizarre 469.75 euros fitness spree. Still, Bogle managed to save 22,902.12 euros, keeping that kituutusprosentti rock steady at 56.0 percent. His lifestyle had a rhythm now. Earn. Spend as little as possible. Save. Repeat. It was like a dance, and Bogle had mastered every step. Then 2024 showed up with some twists. By the end of August, he'd pocketed 27,243 euros, which wasn't as hefty as 2023, but his spending had adapted. Only 11,967 euros on the basics, and a mere 1,562 euros on things the average Joe might call "fun." Bogle called them "turhakkeet," or junk. His savings stayed firm at 56.1 percent. The months rolled in with their quirks. January was a respectable 51.8 percent scrimping, but by February, Bogle had reached some kind of extreme, clocking in 69.5 percent savings. He barely spent a dime. March? Same energy: 60.1 percent. This guy could tighten a belt like nobody’s business. By May, though, reality started creeping back in. Life got in the way, and the percentage dipped to 37.9 percent. Maybe he indulged a bit—splurged on a kebab, a gadget, who knows. Then came June. A hero's month. Bogle locked down 72.4 percent of his income. 4,655 euros came in, and he spent just enough to stay human. But July and August brought the grind down to earth again, saving 38.5 percent and 53.2 percent, respectively. But don’t get it twisted. Bogle’s still the king of kituuttaminen. 15 grand tucked away so far in 2024, and the year’s not over yet. Some might call it madness. Bogle? He calls it freedom. Every cent he holds on to, every random urge resisted, brings him one step closer to where he really wants to be.