September 28, 2022

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How do you navigate?  Patrick (26): “I do catering for fun” |  Currently

How do you navigate? Patrick (26): “I do catering for fun” | Currently

Grocery stores are becoming more expensive, as is energy and gasoline. It’s hard for first-time buyers to find a home. Students sometimes accumulate huge student debts. In this section, he tells young people how they are going, and Nybod gives advice.

Patrick is an Air Force soldier and a waiter in a restaurant


Patrick is an Air Force soldier and a waiter in a restaurant

Patrick is an Air Force soldier and a waiter in a restaurant

picture: private photo

Income: about €2,350-2,450 per month (without additional fees and bonuses)

  • Air Force salary: net about 2,300 euros, no extra fees and bonuses
  • Restaurant wages: about 50-150 euros

Expenses: approx 1,673.50 Per month

  • Mortgage: 650€ (550€ mortgage + 100€ initial loan)
  • Energy and water: 186 euros
  • Health insurance: 65 euros (but deducted from the total salary)
  • Other insurances: 120 EUR
  • Lunch: about 320 euros
  • Sports subscription: Included with work
  • Telephone subscription: 50 EUR
  • Internet: 40 euros
  • Other subscriptions: about 50 euros
  • Waste tax: €20.83 (€250 per year)
  • Water board tax: 66.67 euros (800 euros per year)
  • Clothes: less than 20 euros
  • Nice things: 150 euros

“I work five days a week as an electrical engineer in the Air Force. In addition, I sometimes do exercises and sometimes I am sent for a few months. On such days I receive additional allowances and bonuses. With a workout around 45 euros total extra per day. With broadcast it can reach To 100 or 150 euros a day. My food is also included on those days.”

“I also work in a restaurant. I do it for fun, because you don’t earn much in the food industry. Especially if it’s your second job. But I like it and I’ve been going there a lot. Work can vary, but if I can I’ll come.”

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your own home

“When I was 21, I wanted to buy a house, but it didn’t work out. Thanks to the initial loan, I was able to borrow from my municipality and I can still find a house. A lot had to be done, but luckily I am a mechanic and I can do a lot myself” .

“I get paid almost every month, except when I buy something very expensive. I also save 200 euros every month and have all kinds of small banks. I have one for a new cap, but also one for taxes. I put a little more in it, so I kept some.” I also keep the money from the restaurant aside. And I joked that I wanted to get back what I once spent. But that’s going to take a while, because I’ve been here since I was sixteen.”

take care of others

“When I first started living on my own, my budget was tight. I pulled out 200 euros a month and had to eat. But the food got more expensive and now I’m less interested in it. I order pizza or chops of ribs more often. Come now I prefer 80 euros per week, instead of 50. I always buy big packs and freeze a lot.”

“I am not worried about my future. You can retire early in the army, my house is paid at 51. But I am worried about others. There are a lot of people who can’t make ends meet, even in a private ocean.”

Marion Weirs is the public information consultant at Nybod.


Marion Weirs is the public information consultant at Nybod.

Marion Weirs is the public information consultant at Nybod.

Marion Nybod: “Patrick works well and saves every month. By automatically transferring 10 percent of your income to your savings account once you receive your paycheck, you’re saving unnoticed.”

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“Many products are getting more expensive. How can you keep saving? Be smarter than marketers. Check in advance what you still have, what you really need and what is on offer. Make a shopping list based on that and stick to it. Make a weekly list and shop as often as you can.” At once. That way you won’t be tempted into the store. Don’t go shopping on an empty stomach, and take a shopping basket instead of a cart.”

over here You will find the costs of healthy food per capita per day. For a single person, this is 8.25 euros per day. Cooking for more people is cheaper. If you cook smart, you don’t have to shell out much. Don’t overcook with a good weight. Do you have anything left? Make it a new recipe the next day or freeze it. You can also cook for several days and freeze servings daily.”

Are you between eighteen and thirty years old? And do you also want to tell us how to get around and get tips from Nypod? Send an email to [email protected] Include your age, description of your financial situation, and your phone number.