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Monthly Financial Snapshot: June 2017

You can also track my all-time progress on the aptly-named Current Progress page.

This month was pretty stressful at work. A lot of emergent work, and therefore emergent overtime. But the market is still chugging along, so no complaints from me. 


Jun-17Comments
Rent$765.00$750 for rent + $15 Plastiq fees
Internet$55.92Internet is kind of expensive. But strangely, my phone company dropped their price without me asking for it. No complaints!
Cell Phone$62.57Last of my T-Mobile prepaid, and switching to Mint SIM for the next 3 months ($13.55/month!). If trial goes well, will stay with them permanently.
Natural Gas$15.40Lower than normal, probably due to less cooking this month.
Electricity$26.79Slightly less than average this month.
Water$37.13Less than average this month.
Groceries$151.74Almost exactly average.
Car Insurance$0.00I pay every 6 months in April and October.
Gasoline$37.07Slightly less than average this month.
Car Expenses$0.00Nothing to see here, move along
Health Insurance$13.34Heavily subsidized, high-deductible plan through my work. Includes health and dental.
Other$0.00Nothing to see here, move along
Necessary$1,164.96Little less than average this month
Restaurants$0.00Nothing to see here, move along
Entertainment$16.24Netflix + movie ticket (Wonder Woman)
Shopping$0.85Bought toothpaste.
Travel/Parking$120.0020% discounted Hotels.com gift cards. Will use these on future trips.
Gifts/Donations$10.00Donation to my favorite Youtube channel
Software/Games$47.58Annual VPN subscription + some games (Steam sale!)
Business$198.11Inventory to sell + office supplies
Other$0.70Postage for my personal project
Discretionary$393.48Much lower than average
Total Expenses$1,558.44Much lower than average this month!
Gross Income$7,284.722 paychecks this month and business income
401(k) Match$194.72My company matches 3% of gross salary + profit-sharing from last year
Taxes$1,799.69Federal + state income tax + payroll taxes. Much higher because I switched my 401k to after-tax contributions since I am nearly at the pre-tax limit for the year.
Net Income$5,679.75Below average, but only because the average has been skewed high due to recent overtime / annual bonus.
Savings$4,121.31What I didn't spend this month. Currently about half going to my 401k.
Savings Rate72.56%Savings / Net Income. Better than average this month.
Net Worth$156,438.43Looking good. Hope to hit $160k next month.

Projected time to FI (assuming 6% growth and 4% withdrawal rate): 7 years, 2 months

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