Monthly Financial Snapshot: September 2018

Another month has come and gone.

This month I have tried to refocus myself towards being more productive with how I use my time and how I organize my tasks. I noticed that I go through this kind of phase about once a year, but I want to do better at holding myself accountable and forming better habits in order to reach my goals.
One of the things that I noticed is that I am very good at maintaining my financial habits without too much thought or effort. Part of it is because I have made correct choices in the past and set up so many things to run automatically, but another part of it is because (at least for me) the concept of money is very abstract, so I don’t have to fight against primal urges as one might with other aspects of life (like eating healthy and exercising). Because money is an abstract thing I feel that it is more under control of the logical, planning side of my mind, so I usually end up making the right choices without too much struggle. 
I recently read (listened to) The Power of Habit which talks about how habits work and how to form new ones in order to achieve goals. My goal is to start doing small tasks daily to get me towards my other goals and to make them a habit so that I don’t have to think about them either.
I am also working towards improving how I organize my different responsibilities at work so that I can spend more time getting things done instead of thinking about what needs to get done. So far it’s working out pretty well, but the real results will show up only if I can stick to the system. More to come.
Finally, I’ll be doing some more travel this month, so looking forward to that.
As for my spending:

Category Sep-18 Comments
Rent $762.50 $750 for rent, paid via Plastiq
Internet $55.92 Internet is kind of expensive.
Cell Phone $10.79 I may have found a cheaper alternative than MintSIM. This is for SIM card to switch.
Natural Gas $19.34 Little below average.
Electricity $0.00 No bill this month due to double payment last time.
Water $34.18 Slightly below average
Groceries $166.95 About average for the month.
Car Insurance $0.00 I pay every 6 months in April and October.
Gasoline $74.87 Gas prices have gone up a bit
Car Expenses $0.00 Nothing this month.
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 $1,162.89 Little below average.
Restaurants $44.70 Below average. Went out with coworkers and got food while on the road.
Entertainment $0.00 Nothing this month.
Shopping $300.00 Amazon gift cards purchased to get bonus Chase points.
Travel/Parking $886.49 Upcoming travel next month, plus ticket for next year’s CampFI!
Gifts/Donations $50.00 Donation for coworker’s birthday wish
Software/Games $64.17 Renewed this domain and purchased a productivity app
Business $761.48 More inventory.
Other $149.00 Bought some online courses
Discretionary $2,255.84 Above average for the month, due to spending for future.
Total Expenses $3,418.73 Above average
Gross Income $10,091.94 Above average due to overtime money and business income
401(k) Match $207.74 My company matches 3% of gross salary
Taxes $1,714.26 Paycheck withholding
Net Income $8,585.42 Above average.
Savings $5,166.69 Above average.
Savings Rate 60.18% Below average, but still pretty good
Net Worth $250,513.01 Finally (barely!) crossed $250k milestone! Hoping the next milestone comes sooner.

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

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