Another month gone by in my 3 month stay in Japan.
This month was pretty good on the spending front. Since I have already pre-paid my housing, most of my spending this month was food and transportation. A family member came to visit during the latter part of the month, so I did some extra traveling and restaurant-eating than I would have otherwise. Other than that, spending was pretty low-key for the month.
On the investment side, I have been pleased with the performance of the Pinwheel Portfolio this month. Some slices (gold, US stocks) have performed very well (6%+ gains), while others have gained less (REITs, bonds, international stocks). I also received my first quarterly dividend payments with this new portfolio, totaling $1746.20. Since there are a variety of asset classes in my portfolio, there are more opportunities to re-balance as they continue to move in different directions.
Here's my spending for June:
| Category | Jun-19 | Comments |
|---|---|---|
| Rent | $0.00 | Nothing this month |
| Internet | $0.00 | Nothing this month |
| Cell Phone | $0.00 | Nothing this month |
| Natural Gas | $0.00 | Nothing this month |
| Electricity | $0.00 | Nothing this month |
| Water | $0.00 | Nothing this month |
| Groceries | $120.98 | Fairly low, but mostly due to higher restaurant expenses |
| Car Insurance | $0.00 | Nothing this month |
| Transport | $256.26 | Higher than average, due to travel / tourism |
| Car Expenses | $0.00 | Nothing this month |
| Health | $12.30 | OTC medicine in Japan |
| Other | $25.00 | Mail forwarding |
| Necessary | $414.54 | Below average this month |
| Restaurants | $493.18 | Restaurant meals in Japan. Higher due to family member visiting. |
| Entertainment | $41.77 | Museum admissions |
| Shopping | $38.83 | Below average |
| Travel/Parking | $70.79 | Fees for award flights |
| Gifts/Donations | $0.00 | Nothing this month. |
| Software/Games | $0.00 | Nothing this month. |
| Business | $0.00 | Nothing this month. |
| Other | $147.07 | Approximate cash expenses that I forgot to precisely categorize. Mostly entertainment and food. |
| Discretionary | $791.64 | Above average, but will go down next month now that I'm no longer in hotels |
| Total Expenses | $1,206.18 | Below average, mostly due to prepaid housing from last month |
| Gross Income | $2,022.82 | Dividends, interest, reimbursements from visiting family member |
| 401(k) Match | $0.00 | Nothing this month |
| Taxes | $0.00 | Nothing this month |
| Net Income | $2,022.82 | Below average |
| Savings | $816.64 | Below average |
| Savings Rate | 40.4% | Doesn't really make sense now that I essentially have no income. Might stop reporting this going forward. |
| Net Worth | $302,412.89 | Market returned most of my losses from May. |
Projected time to FI (assuming 6% growth and 4% withdrawal rate): 4 years, 5 months.