While our financial life followed its course with a common account and expenses split at the pro-rata of our salaries, we always had to manage unexpected invoices... So we decided to create a real budget with YNAB.

Until now, food was one of the only topics I had not addressed in terms of financial optimization. We decided to change this for good in 2019 with Mrs. MP!

I have had the plan to tackle our food expenses for many months. The project has now begun. While waiting for the next article, I have a question for you, dear reader.

After our first years of living together, I started earning my first salaries. We therefore reviewed our way of managing our expenses to move to a pro rata of our earnings. And we also opened our first joint account.

I went back to the time when we met with Mrs MP, to see how far we've come. First appointments and first gifts, but completely separate financial life. Then settling together, with the first discussions, discords, and compromises concerning money.

It's pretty easy to have a budget and to pursue your own dreams like financial independence when you're alone. But when you get (or are) into a relationship, it gets a little more complicated. We've come a long way with Mrs. MP on this topic. Let me tell you how I got her on a common budget and on the dream of financial independence.

Would you like to know how you can save more than 70%? Me too! So I asked Oliver from Frugalisten.de to answer a few questions so that we could all be inspired.

Scarcity is a thing everyone experience on Earth. We have to live with it. Everyday. Teaching it to our kids is one of our duty to make them ready to face it appropriately.

If you struggle with your savings rate, you may have wrongly defined your variable. I feel stupid that it took me more than two years to realize it myself. Better later than never!