Skip to main content

Monthly Financial Snapshot: November 2017

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

Not a whole lot happened this month. I had a work trip that was previously postponed due to a hurricane in September. Fortunately, some friends were visiting from out of town and it aligned nicely with my work travel plans, so I was able to meet them for dinner without going too far out of my way. Chase is also running some promotions with Walmart and Best Buy, which I will be using to get 10x rewards for gift card credit. Walmart will own my grocery shopping for the next couple of months, but at least it probably isn't that much worse than Aldi.

I also was able to attend a meetup in Chicago focused mostly on travel rewards, where I learned a few new tricks. Hopefully I'll get to apply them over the coming years in my future travels.

Other than that, it was a pretty ordinary month.

Rent$768.75$750 for rent + $18.75 Plastiq fees
Internet$55.92Internet is kind of expensive.
Cell Phone$0.00Paid for 1 year of service through MintSIM. = $15.51 / month!
Natural Gas$17.61Below average. Not entirely sure why...
Electricity$26.51About average for the month.
Water$32.96Below average. Not entirely sure why...
Groceries$230.41Above average. Splurged a bit on some goodies at the Japanese grocery store in the city.
Car Insurance$0.00I pay every 6 months in April and October. Payment went up slightly compared to last time.
Gasoline$95.82Went on a work trip during the month, so had to drive to the airport and back.
Car Expenses$0.00Nothing to see here, move along
Health$48.44Heavily subsidized, high-deductible health plans through my work. Includes health and dental. Also monthly gym membership.
Other$0.00Nothing to see here, move along
Necessary$1,276.42About average for the month.
Restaurants$84.26Had some meals with coworkers, as well as an expensive meal with friends visitng from out of town.
Entertainment$17.65Saw Blade Runner 2049 2 more times before it went out of theaters. Possibly the best movie of the year, depending on how Star Wars turns out.
Shopping$142.37Above average this month. Renewed my Amazon Prime subscription.
Travel/Parking$64.25Last-minute hotel room for meeting my out of town friends before my business trip.
Gifts/Donations$10.00Donation to my favorite Youtube channel.
Software/Games$0.00Nothing to see here, move along.
Business$3.18Inventory and expenses.
Other$0.00Nothing to see here, move along.
Discretionary$321.71Below average for the month.
Total Expenses$1,598.13Below average for the month.
Gross Income$6,949.962 paychecks + business income
401(k) Match$203.08My company matches 3% of gross salary
Taxes$839.68Federal + state income tax + payroll taxes. I previously prepaid $3k of federal income tax and marked myself exempt for the rest of the year.
Net Income$6,313.36Somewhat below average due bumping up my 401k contributions to be entirely after-tax for the month.
Savings$4,715.23About average for the month.
Savings Rate74.69%Savings / Net Income. A little above average for the month.
Net Worth$188,393.28Up a good amount this month. How much longer can the market keep it up?

Projected time to FI (assuming 6% growth and 4% withdrawal rate): 5 years, 6 months!


  1. I am impressed with your savings rate! Hitting 75% will be a long road for me, unfortunately.


Post a Comment