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Monthly Financial Snapshot: November 2016

You can also track my all-time progress on the aptly-named Current Progress page. Excitingly, I had to adjust the vertical scale this month because my net worth has (literally) gone off the chart!

Rent$765.00$750 for rent + $15 in fees for Plastiq in order to pay via credit card
Internet$60.92Internet is kind of expensive out here in the boonies
Cell Phone$32.88$30 + taxes/fees for 5 GB of 4G data through T-Mobile
Natural Gas$22.49Slightly higher than average gas bill, but still pretty low
Electricity$61.81Two electric bills this month, due to bill cycle timing. Pretty average months though.
Water$43.82My actual water usage is only about $5, but my town tacks on so many fees that the bill comes to $40+ every month! :(
Groceries$170.89Slightly above-average grocery bill for the month.
Car Insurance$35.30I pay every 6 months in April and October. Decided to increase my liability coverage, so I paid an extra $35.30 this month.
Gasoline$38.19Lower than average this month.
Car Expenses$15.50Bought rear window defroster repair kit because winter is coming.
Health Insurance$19.30Heavily subsidized, high-deductible plan through my work. Includes health, dental, and vision.
Other$0.00Nothing to see here, move along
Necessary$1,266.10About average.
Restaurants$53.50Thanksgiving potluck at work and going out to dinner with coworkers a few times this month.
Shopping$567.69Bought a lot of stuff this month. Some necessary, some not so much.
Travel/Parking$334.29Airport parking for my December trip to visit family, plus reimbursement to my mom for vacation expenses.
Gifts/Donations$10.00Patreon donation to my favorite YouTube channel
Software/Games$0.00Nothing to see here, move along
Other$6.29More one-time expenses for the personal project.
Discretionary$981.76Higher than average. Hopefully lower next month.
Total Expenses$2,247.86Higher than average, but not too bad.
Gross Income$5,246.54Perfectly average for a regular month.
401(k) Match$157.12My company matches 3% of gross salary
Taxes$924.92Federal + state income tax + payroll taxes. Have already maxed out pre-tax 401(k) contributions so no deduction left for me. Boo!
Net Income$4,478.74Average!
Savings$2,230.88What I didn't spend this month. Most of this currently goes to after-tax 401(k).
Savings Rate49.8%Savings / Net Income. Ever so slightly better than last month, but still not great.
Net Worth$ 101,299.30 Finally crossed $100k! Hopefully will stay above $100k from here on out.

Projected time to FI (assuming 6% growth and 4% withdrawal rate): 7 years 4 months

20% raise is official as of today, but will effectively start on next week's paycheck.