# Nugget's Journal

**URL:** <https://forum.mustachianpost.com/t/nuggets-journal/506>\
**Category:** Share your story\
**Created:** [October 24, 2017, 9:02am UTC](https://forum.mustachianpost.com/t/nuggets-journal/506 "2017-10-24T09:02:32Z")\
**Posts on this page:** 1\
**Showing post:** 11

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**Author:** ![nugget](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/nugget/32/57_2.png) [@nugget](https://forum.mustachianpost.com/u/nugget)\
**Post date:** [December 31, 2017, 11:01pm UTC](https://forum.mustachianpost.com/t/nuggets-journal/506/11 "2017-12-31T23:01:51Z")

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Dear all,  
it is 31.12.2017, that means it’s balance sheet time!  
compared to [2016](https://forum.mustachianpost.com/t/nuggets-2016-income-statement-savings-rate/121) i could boost my savings rate up to 45% before taxes! (48% if i remove Quellensteuer and AHV/ALV/NBU from the calculation)  
This means I could save almost 35’000 in cash!  
this is pretty in line with my [2017 half year statement](https://forum.mustachianpost.com/t/nuggets-2016-income-statement-savings-rate/121/10).

pretty much all my forecasts from end of 2016 came true, and most forecasts will be identical for 2018. Especially since I am still a PhD, expecting to (finally) finish later this spring.

happy new year and saving in 2018! Luck, health and happiness!

 ![nugget 2017](https://forum.mustachianpost.com/uploads/default/original/2X/d/d17494877707aa0e9453e081cf3a819580f1b7dd.png)

[edit]  
fyi my salary is 3rd year Ansatz 4 of the[ETH salary regulation page 8](https://www.ethz.ch/content/dam/ethz/associates/services/Anstellung-Arbeiten/Downloads/files/rechtliches/Verordnung_wissenschaftliches_Personal.pdf)

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