Another month gone by in my 3 month stay in Japan.
This month was pretty good on the spending front. Since I have already pre-paid my housing, most of my spending this month was food and transportation. A family member came to visit during the latter part of the month, so I did some extra traveling and restaurant-eating than I would have otherwise. Other than that, spending was pretty low-key for the month.
On the investment side, I have been pleased with the performance of the Pinwheel Portfolio this month. Some slices (gold, US stocks) have performed very well (6%+ gains), while others have gained less (REITs, bonds, international stocks). I also received my first quarterly dividend payments with this new portfolio, totaling $1746.20. Since there are a variety of asset classes in my portfolio, there are more opportunities to re-balance as they continue to move in different directions.
Here’s my spending for June:
|Rent||$0.00||Nothing this month|
|Internet||$0.00||Nothing this month|
|Cell Phone||$0.00||Nothing this month|
|Natural Gas||$0.00||Nothing this month|
|Electricity||$0.00||Nothing this month|
|Water||$0.00||Nothing this month|
|Groceries||$120.98||Fairly low, but mostly due to higher restaurant expenses|
|Car Insurance||$0.00||Nothing this month|
|Transport||$256.26||Higher than average, due to travel / tourism|
|Car Expenses||$0.00||Nothing this month|
|Health||$12.30||OTC medicine in Japan|
|Necessary||$414.54||Below average this month|
|Restaurants||$493.18||Restaurant meals in Japan. Higher due to family member visiting.|
|Travel/Parking||$70.79||Fees for award flights|
|Gifts/Donations||$0.00||Nothing this month.|
|Software/Games||$0.00||Nothing this month.|
|Business||$0.00||Nothing this month.|
|Other||$147.07||Approximate cash expenses that I forgot to precisely categorize. Mostly entertainment and food.|
|Discretionary||$791.64||Above average, but will go down next month now that I'm no longer in hotels|
|Total Expenses||$1,206.18||Below average, mostly due to prepaid housing from last month|
|Gross Income||$2,022.82||Dividends, interest, reimbursements from visiting family member|
|401(k) Match||$0.00||Nothing this month|
|Taxes||$0.00||Nothing this month|
|Net Income||$2,022.82||Below average|
|Savings Rate||40.4%||Doesn't really make sense now that I essentially have no income. Might stop reporting this going forward.|
|Net Worth||$302,412.89||Market returned most of my losses from May.|
Projected time to FI (assuming 6% growth and 4% withdrawal rate): 4 years, 5 months.