Monthly Financial Snapshot: November 2018

Category Nov-18 Comments
Rent $768.75 $750 for rent, paid via Plastiq
Internet $55.92 Internet is kind of expensive.
Cell Phone $0.00 Nothing this month.
Natural Gas $19.59 Little below average.
Electricity $21.64 Below average for the month.
Water $35.25 Slightly above average
Groceries $106.39 Less this month, due to travel.
Car Insurance $0.00 I pay every 6 months in April and October.
Gasoline $50.81 Less this month, due to travel.
Car Expenses $1,104.55 Did a bunch of maintenance since my car recently passed 100k miles. Not too bad considering all that was done.
Health $38.34 Heavily subsidized, high-deductible health plans through my work. Includes health and dental. Gym membership.
Other $0.00 Nothing this month.
Necessary $2,201.24 Above average, due to car maintenance
Restaurants $24.80 Below average for the month.
Entertainment $0.00 Nothing for this month.
Shopping $1,274.99 New laptop
Travel/Parking $957.36 Visited family for Thanksgiving, plus trip to NYC in December.
Gifts/Donations $6.56 Thank-you flowers
Software/Games $0.00 Nothing for this month.
Business $0.00 Nothing for this month.
Other $76.63 Postage and document fees
Discretionary $2,340.34 Above average, mostly due to shopping and travel.
Total Expenses $4,541.58 Above average
Gross Income $7,711.98 Below average
401(k) Match $207.74 My company matches 3% of gross salary
Taxes $1,019.38 Paycheck withholding
Net Income $6,900.34 Below average
Savings $2,358.76 Below average
Savings Rate 34.18% Below average, but still ok
Net Worth $244,164.50 Sitting 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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