Grand in Theory Goals

Goals

Monthly income

Monthly income: €2,200
Income earned across 10 months: €22,000
Current balance compared with income earned: 31.8%

€7,000 ÷ €22,000

Savings goals

A buffer for the unexpected

Emergency fund

Current: €2,900
Target: €10,000
Complete: 29.0%
Remaining: €7,100

StartedSeptember 2025Status: done
€1,000November 2025Status: done
€2,000March 2026Status: done
€2,900CurrentStatus: current
€5,000Next targetStatus: future
€10,000Long-term targetStatus: future

Preparing for the worst

Car insurance

I am a new learner driver. Hopefully I will have my full licence by renewal time and the cost will come down, but I am preparing for the worst.

Current: €501.47
Target: €1,600
Complete: 31.3%
Remaining: €1,098.53

Money set aside to enjoy

Fun stuff fund

Current: €365.94
Target: €1,300
Complete: 28.1%
Remaining: €934.06

Accounts in progress

Japan trip fund

GBP

Flexi Cash Fund

£1,006.44

Small fund to try and out pace inflation.

APY: 3.6%
Secondary APY: 2.1%

£1,000Reached January 2026Status: done
£1,006.44CurrentStatus: current
Trip moneyPlanned useStatus: future

State Savings Scheme

EUR

My Future Fund

€500

Long-term fund, contributions from myself, Government and Employer. I have little influence over this, so until I get my own private pension, there will be no goals.

Proving I can save consistently

EUR

Super Savers account

€1,700

Started contributing €300, then €200 and now €100 a month. The goal is to invest the full balance when the new savings and investment accounts become available.

Started€300 per monthStatus: done
€1,000Reached May 2026Status: done
€1,700CurrentStatus: current
InvestWhen new accounts arriveStatus: future

Learning to invest

EUR

Trading 212

€223

Gettting used to investing before the new savings and investment accounts become available.

Listed debt

Student credit card

€300EUR balance

Headline savings: €7,000
Total listed euro debt: − €300
Net savings after listed debt: €6,700