This month was pretty stressful at work. A lot of emergent work, and therefore emergent overtime. But the market is still chugging along, so no complaints from me.
| Jun-17 | Comments | |
| Rent | $765.00 | $750 for rent + $15 Plastiq fees |
| Internet | $55.92 | Internet is kind of expensive. But strangely, my phone company dropped their price without me asking for it. No complaints! |
| Cell Phone | $62.57 | Last of my T-Mobile prepaid, and switching to Mint SIM for the next 3 months ($13.55/month!). If trial goes well, will stay with them permanently. |
| Natural Gas | $15.40 | Lower than normal, probably due to less cooking this month. |
| Electricity | $26.79 | Slightly less than average this month. |
| Water | $37.13 | Less than average this month. |
| Groceries | $151.74 | Almost exactly average. |
| Car Insurance | $0.00 | I pay every 6 months in April and October. |
| Gasoline | $37.07 | Slightly less than average this month. |
| 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 | $1,164.96 | Little less than average this month |
| Restaurants | $0.00 | Nothing to see here, move along |
| Entertainment | $16.24 | Netflix + movie ticket (Wonder Woman) |
| Shopping | $0.85 | Bought toothpaste. |
| Travel/Parking | $120.00 | 20% discounted Hotels.com gift cards. Will use these on future trips. |
| Gifts/Donations | $10.00 | Donation to my favorite Youtube channel |
| Software/Games | $47.58 | Annual VPN subscription + some games (Steam sale!) |
| Business | $198.11 | Inventory to sell + office supplies |
| Other | $0.70 | Postage for my personal project |
| Discretionary | $393.48 | Much lower than average |
| Total Expenses | $1,558.44 | Much lower than average this month! |
| Gross Income | $7,284.72 | 2 paychecks this month and business income |
| 401(k) Match | $194.72 | My company matches 3% of gross salary + profit-sharing from last year |
| Taxes | $1,799.69 | Federal + state income tax + payroll taxes. Much higher because I switched my 401k to after-tax contributions since I am nearly at the pre-tax limit for the year. |
| Net Income | $5,679.75 | Below average, but only because the average has been skewed high due to recent overtime / annual bonus. |
| Savings | $4,121.31 | What I didn't spend this month. Currently about half going to my 401k. |
| Savings Rate | 72.56% | Savings / Net Income. Better than average this month. |
| Net Worth | $156,438.43 | Looking good. Hope to hit $160k next month. |
Projected time to FI (assuming 6% growth and 4% withdrawal rate): 7 years, 2 months