2018 expenses, goals, returns from investments and FI date

Expenses:

I have spent 538656.41 in 2018. 
In 2019 
I should save on cash by not taking more than 9500 per month. Monthly 4000 goes to cook and 1500 to maintenance. Should limit cash spending to 4000 which is 1000 per week.
Tax should be less in 2019 as it is paid on time and redemption are less. 
Life insurance I will change to 18 year term plan this year, which should save 7000.
I should save on medicines by ordering online and if possible tests.

Expense	Amount
Cash	125488
Medical	83590.93
Groceries	73029.02
Shopping	63551.53
Tax	42210
Travel	32620.91
Health Insurance	22280
Eating out	18761.9
Life Insurance	17700
Electricity Bill	15401.95
School Fee	15000
Internet	7169
Petrol	4874.68
Mobile bill	4183
Entertainment	3558.67
Kid	3381
Lunch	3055
Passport	1887
Debit Card fee	588.82
Brokerage	300
Play	25

Goals:

I was not able to save 50% of salary, exercise 20 days, read a book a month, and prevent unnecessary leaves. Reached 16600 passive income from investments and coupled with rent 5000 I have now @21600.

1. To save 50% of my post tax salary and deposit in MF without any second thought (Jan, Feb, Mar, Apr, May,Jun, Jul, Aug, Sep,Oct, Nov, Dec).Failed
2. To have 15000 as passive income per month and not touch the savings at any cost unless medical emergency or job loss. (Achieved in November due to PF account). Success 
3. Track my expenses every month and see how did it go (Jan, Feb, Mar, Apr, May,Jun, Jul, Aug, Sep,Oct, Nov, Dec). Success 
4. Exercise at least 20 days a month (Jan, Feb, Mar, Apr, May,Jun, Jul, Aug, Sep, Oct, Nov, Dec). Failed
5. Read one book a month (Jan, Feb, Mar, Apr, May,Jun, Jul, Aug, Sep, Oct, Nov, Dec).Failed
6. Plan 2 trips out of state.Failed
7. Not to take unnecessary unplanned leaves from work (Jan, Feb, Mar, Apr, May,Jun, Jul, Aug, Sep, Oct, Nov, Dec).Failed

Returns:
I have made 19072.3 with 2018 investments which is 2.54 % although not  annually but also on a percentage basis the return is poor and 170857.08 from previous years investments which is up 5.49%. In total I have got 189929.38 for year 2018.
FI date and graph:
FI date October 2025 which is 6 years 10 months.

December expenses

I have spent 29045.67 in the month of December out of which cash, medical, groceries and shopping are top spends. I have spent 28438 last December and I am happy about it.

Pay day for December

Post tax salary is 98999.63 out of which I am planning to spend 35k in January and I should invest 64000(7000 tax shield+ 57000 in nse100 - done). 3333.21 is left from December.

FI date and graph

My FI date is Feb 2026 which is 7 years 3 months, 3 months less than last month. November was an expensive due to cash, medical, groceries and shopping expenses. I was able to exercise for more than 20 days (free gym in office) as part of daily exercise and read one book. Things are not looking good in house, have to keep my head down and move on. Mother's health is not good.

NOvember Expenses

I have spent 38991.35 in the month of November out of which cash, shopping, medical and groceries are top spends. Eating out is way too much. I have spent 18660 last November and this shows how expenses can catch up fast and unexpected items like medical bills will affect FI date. I will be tight this month and see how much I will spend.

Pay day for November

I have received a salary of 111007 rupees pre tax for this month. I am not saving 50% for last few months due to medical expenses so I am going to save 55%(61054) and any short fall after I spend my money, I am planning to spend money from moms account just to see how much I will have to spend more. Out of pay 5k goes to tax shield and 44986 should be invested in NSE 100 (both investments done (24986) and SIP on 1st for 20000).I will be left with 36813 in month of plus about 28k left in November. I will save the money left in November in debt fund and see if I can live with 36k.

My PF(869942) stands at as of today. I am able to login to account now.

Things I should avoid in the month of December and coming months are shopping, eating out and cash.

1000 for shopping for myself - Make a list and use the amount when I have the amount I need.

1000 for big purchases or when things break down.

1500 for Kid.

The total should not exceed 36000 per year.

Eating out should not exceed 1500 per month.

Try not to use scooter as much as possible.

Look for cheaper medical supplies.

FI date and graph

My FI date is April 2026 which is 7 years 6 months 1 months more than last month. October was an expensive due to cash, medical, groceries and entertainment expenses. I was not able to walk 2 KM for 20 days (walked 8 days though) as part of daily exercise and neither read any book. Things are not looking good in house, have to keep my head down and move on. Mother's health is not good.

October expenses

I have spent 33443 this month cash, groceries, medical, entertainment, electricity bill and eating out expenses are high this month. I have spent 12292.89 more than last year. I am expecting November to be high due to planned mom's medical and festival expenses. I could have saved some money on eating out but did not.