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Monthly Financial Snapshot: November 2018


CategoryNov-18Comments
Rent$768.75$750 for rent, paid via Plastiq
Internet$55.92Internet is kind of expensive.
Cell Phone$0.00Nothing this month.
Natural Gas$19.59Little below average.
Electricity$21.64Below average for the month.
Water$35.25Slightly above average
Groceries$106.39Less this month, due to travel.
Car Insurance$0.00I pay every 6 months in April and October.
Gasoline$50.81Less this month, due to travel.
Car Expenses$1,104.55Did a bunch of maintenance since my car recently passed 100k miles. Not too bad considering all that was done.
Health$38.34Heavily subsidized, high-deductible health plans through my work. Includes health and dental. Gym membership.
Other$0.00Nothing this month.
Necessary$2,201.24Above average, due to car maintenance
Restaurants$24.80Below average for the month.
Entertainment$0.00Nothing for this month.
Shopping$1,274.99New laptop
Travel/Parking$957.36Visited family for Thanksgiving, plus trip to NYC in December.
Gifts/Donations$6.56Thank-you flowers
Software/Games$0.00Nothing for this month.
Business$0.00Nothing for this month.
Other $76.63Postage and document fees
Discretionary$2,340.34Above average, mostly due to shopping and travel.
Total Expenses$4,541.58Above average
Gross Income$7,711.98Below average
401(k) Match$207.74My company matches 3% of gross salary
Taxes$1,019.38Paycheck withholding
Net Income$6,900.34Below average
Savings$2,358.76Below average
Savings Rate34.18%Below average, but still ok
Net Worth$244,164.50Sitting at August levels. Still playing catch-up with the market.

Projected time to FI (assuming 6% growth and 4% withdrawal rate): 7 years, 8 months.

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