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Why Your Index is Higher than the Official One
Official inflation is an "average temperature of the hospital" that combines prices for mortgages, luxury clothing, and basic groceries. Your personal basket almost always consists of high-frequency purchase items, which are the ones that increase in price the fastest.
Daily consumer goods react first to costs, while durable goods may become cheaper or stay flat due to promotions. If you spend 80% of your budget on food and utilities, your personal inflation rate will always be higher than what is reported in the news.
Do not trust averaged figures when planning long-term savings. Calculate your expenses manually.
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