Yet another month has come and gone.
Financial highlights of the month included receiving a $1,200 stimulus deposit from the IRS, plus finally getting my IL state refund for 2019. In addition, the market recovered nicely in April (up 12.7% from the end of March), which helped restore much of my savings. Now I am back to where I was in September of last year, although with the economic uncertainty who knows how long it will last.
In other news, it’s been confirmed that Japan will be doing its own economic stimulus program by giving 100,000 yen to every legal resident. Of course, this being Japan, you need to fill out paperwork to apply for the money, and I’m pretty sure they haven’t even gotten around to mailing out the application forms yet. Hopefully I’ll get that finished by next month.
Here’s my April expenses:
| Category | 04/20 | Comments |
|---|---|---|
| Rent | $927.99 | |
| Internet | $17.07 | |
| Cell Phone | $30.67 | |
| Natural Gas | $23.74 | |
| Electricity | $36.25 | |
| Water | $35.56 | |
| Groceries | $359.00 | |
| Transport | $16.91 | |
| Health | $156.78 | Health insurance |
| Other | $17.00 | |
| Necessary | $1,620.97 | About average |
| Restaurants | $25.30 | |
| Entertainment | $12.83 | |
| Shopping | $83.35 | |
| Travel/Parking | $575.00 | CC fees |
| Gifts/Donations | $3.62 | |
| Software/Games | $15.17 | Domain renewal |
| Business | $0.00 | |
| Other | $0.00 | |
| Discretionary | $715.26 | Not terrible, but I can do better |
| Total Expenses | $2,336.24 | Not terrible, but I can do better |
| Gross Income | $3,754.42 | Salary + interest |
| Taxes | -$1,266.82 | Tax refund / stimulus |
| Net Income | $5,021.24 | Above average for the month |
| Savings | $2,685.00 | Above average for the month |
| Savings Rate | 53.47% | Above average for the month |
| Net Worth | $308,380.94 | Back up thanks to market rebound. |
Projected time to FI (assuming 6% growth and 4% withdrawal rate): 9 years, 9 months.