I lost my income: how many months will I actually last

VESTELON FLOW2 de septiembre de 20265 min de lectura

A buffer is not counted in euros but in months. A household with €1,150 of fixed costs and €600 variable spends €1,750 a month. With a €7,000 buffer it lasts 4.0 months. Cut 40% of the variable spending and cancel forgotten subscriptions and it reaches 4.8 months — almost an extra month without earning anything.

How is a buffer counted properly?

Not "I have €7,000". That number alone says nothing — for one household it is four months, for another two.

The formula is simple: buffer divided by monthly spending equals months. The catch is the denominator. Most people put in an estimate 20 to 30% below reality, because they do not remember the payments that leave automatically.

Which costs can be stopped and which cannot?

Type	Examples	Can it stop?
Fixed, non-cancellable	mortgage, rent, home insurance, energy prepayments	no, or not without consequences
Fixed, cancellable	subscriptions, memberships, add-on insurance, bank packages	yes, within a week
Variable	groceries, transport, eating out, clothes	partly, immediately

How much longer does it last?

Step	Monthly spend	Lasts
No change	€1,750	4.0 months
Cut 40% of variable	€1,510	4.6 months
+ cancelled subscriptions €47	€1,463	4.8 months

What to do in the first week

Find the real denominator. Not an estimate, the sum of what actually left over three months.
Separate fixed from variable. Without that you do not know what can stop.
Cancel the cancellable fixed costs. One afternoon of work.
Lower energy prepayments if they are set high. The refund arrives a year later.
Deal with loan payments before the reminder arrives. A deferral agreed in advance is routine. After a missed payment it is not.

How many months is enough?

The common advice is three to six. What matters more than the target is knowing today's number — and most people do not, because they do not know the denominator.

The denominator is the one part you cannot do in your head. VESTELON FLOW pulls it from your statement and splits it into fixed and variable, in your browser. The file never leaves your device.

Sube un solo extracto bancario. FLOW te enseña exactamente en qué se te va el dinero hoy, cuánto vale ese dinero si lo rediriges, y el año en que podrías ser libre. No es otro contador de gastos: es un plan que de verdad puedes poner en marcha.

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