| Jan-17 | Comments | |
| Rent | $765.00 | $750 for rent + $15 in fees for Plastiq in order to pay via credit card |
| Internet | $60.92 | Internet is kind of expensive out here in the boonies |
| Cell Phone | $132.88 | Higher this month because I paid $100 upfront as part of acquiring inventory (a free phone) that I later sold. |
| Natural Gas | $31.26 | About 50% more than my normal bill, due to it being winter. |
| Electricity | $0.00 | Timing of payment cycles means this month's bill will be paid next month. |
| Water | $46.84 | My actual water usage is only about $5, but my town tacks on so many fees that the bill comes to $40+ every month! :( |
| Groceries | $158.99 | About average groceries for this month. |
| Car Insurance | $0.00 | I pay every 6 months in April and October. |
| Gasoline | $43.46 | Higher this month due to travel |
| Car Expenses | $0.00 | Nothing to see here, move along |
| Health Insurance | $13.34 | Heavily subsidized, high-deductible plan through my work. Includes health and dental. |
| Other | $0.00 | Nothing to see here, move along |
| Necessary | $1,252.69 | About average for the month |
| Restaurants | $45.23 | Work holiday party and eating out a few times with coworkers. |
| Entertainment | $11.81 | Netflix+ impulse $2 movie buy |
| Shopping | $23.69 | Not much personal shopping this month. |
| Travel/Parking | $962.45 | Booked my flights and hotels for my Japan/San Jose trip in April/May! |
| Gifts/Donations | $85.54 | Bought food and drinks for my friend's birthday party. |
| Software/Games | $16.87 | Awardwallet annual subscription and discounted 1 year of Todoist Premium |
| Business | $2,218.13 | Started a business this month. This is investment in inventory, office supplies, and services. |
| Other | $0.00 | Nothing to see here, move along |
| Discretionary | $3,363.72 | Much larger than average, although I expect my income to increase over the following months as a result of business investment. |
| Total Expenses | $4,616.41 | Above average, obviously |
| Gross Income | $6,725.96 | ESPP payout, plus income from first few business sales |
| 401(k) Match | $189.22 | My company matches 3% of gross salary |
| Taxes | $1,261.68 | Federal + state income tax + payroll taxes. |
| Net Income | $5,653.50 | Above average (but will soon become average!) |
| Savings | $1,037.09 | What I didn't spend this month. Most of this currently goes to 401(k). |
| Savings Rate | 18.3% | Savings / Net Income. Very low for me, but again, will hopefully go up once business picks up. |
| Net Worth | $ 111,938.86 | Yuge (...ugh) gain thanks to the market |
Projected time to FI (assuming 6% growth and 4% withdrawal rate): 7 years 6 months