Monthly Financial Snapshot: May 2018

Category May-18 Comments
Rent $750.00 $750 for rent. No Plastiq fees this month thanks to referral.
Internet $55.92 Internet is kind of expensive.
Cell Phone $0.00 Already paid for 1 year of service through MintSIM. = $15.51 / month!
Natural Gas $52.46 Paying for this month and last month.
Electricity $21.29 Below average. I switched providers recently because they offered a low intro rate. Will cancel in a month or two when the rate changes again.
Water $34.01 Slightly below average this month.
Groceries $141.28 Below average. I did some travelling this month, so less groceries at home. Ate less meat this month as well.
Car Insurance $0.00 I pay every 6 months in April and October.
Gasoline $52.75 Below average for the month. More time away = fewer days driving. Gas prices are going up though.
Car Expenses $0.00 Nothing this month.
Health $48.44 Heavily subsidized, high-deductible health plans through my work. Includes health and dental. Also monthly gym membership.
Other $0.00 Nothing this month.
Necessary $1,156.15 Somewhat below average, mostly thanks to travelling.
Restaurants $40.50 Went out a few times with coworkers.
Entertainment $9.98 Saw Solo and Infinity War
Shopping $256.37 Bought up 2 years of Amazon Prime before price increase.
Travel/Parking $482.78 Remainder of trip expenses for this month.
Gifts/Donations $0.00 Nothing this month.
Software/Games $50.00 $50 game credit
Business $1,460.06 More inventory
Other $0.00 Nothing this month.
Discretionary $2,299.69 Far above average, mostly due to business inventory
Total Expenses $3,455.84 Pretty spendy this month.
Gross Income $7,284.69 Little below average this month. Ordinary work month plus a little bit of business side income.
401(k) Match $207.74 My company matches 3% of gross salary
Taxes $4,107.32 Paid 2nd quarter taxes.
Net Income $3,385.11 Way below normal for the month, due to taxes
Savings -$70.73 Not often that I see a negative savings rate!
Savings Rate -2.09% Not often that I see a negative savings rate!
Net Worth $222,720.61 Market gained enough to slightly increase my NW despite negative savings.

Projected time to FI (assuming 6% growth and 4% withdrawal rate): 6 years, 3 months.

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