FI date and graph

 My FI date is Oct 2022 which is 4 years 6 months which has not changed even after an expensive month. April was an expensive due to Life health insurance premium, travel and cash expenses. I was not able to walk 2 KM for 20 days as part of daily exercise and neither read any book. Well things go wrong so just have to suck up and look forward to May. 

April expenses

I have spent 49418 this month, life insurance, travel and cash expenses are high this month. I have spent 9k more than last year and yet to buy AC this month which will cost 30k. May will have another fixed cost, kids school fee. These days its tough to control expenses although I am not splurging on anything.

Goal Progress

4. Exercise at least 20 days a month (Jan, Feb, Mar, Apr, May,Jun, Jul, Aug, Sep,Oct, Nov, Dec). Failed Was able to do only 15 days in April. Stopped doing it from 23rd April was emotional and later lazy. Have to find a way to do it in office.
5. Read one book a month (Jan, Feb, Mar, Apr, May,Jun, Jul, Aug, Sep,Oct, Nov, Dec).Failed Just did not pick up any have to see if I can read during travel which is about 3 hrs every day.
7. Not to take unnecessary unplanned leaves from work (Jan, Feb, Mar, Apr, May,Jun, Jul, Aug, Sep,Oct, Nov, Dec). Took leave in April but that is just for emergency and did come to office right after.

Pay day for April

I have received a salary of 85302  rupees post tax for this month. I usually save 50% of post tax salary but I am saving 65000 this month. Out of which I move 5000 to Franklin India Taxshield and rest to Franklin India Dynamic P E Ratio Fund Of Funds (60000).

I am not contributing to insurance or school fee as I may have that amount in debt funds, I will be left with 20302 to spend this month plus about 18237 previous balance in savings.

My PF() stands at as of today. I am still not able to get my PF balance from EPFO site, although I have added 5040 and from previous balance it should be  545311(540271+5040).

Travel and optimizing expenses

Last two days are a little stressful days for me with my mom getting ill, medical bills and travel expenses. Thankfully she is ok but the planning did not go well. I had to spend a fortune on flight tickets at last minute. I did notice this pattern with travel expenses where in there is no planning and end up paying high price and carry little stress. I ought to plan for my travel in June in advance to save me this time from stress.

I could have booked tickets for my mother as senior citizen in indigo site and I failed to save few bucks there. The expensive month will push my FI date further.

FI date and graph

My FI date is Oct 2022 which is 4 years 7 months which has changed due to adding income fund to emergency fund as I have enough to cover insurance premium. March was an OK month the health insurance premium was major expense and expense on cash is also low. April will be expensive due to life insurance. I was able to walk 2 KM for 20 days as part of daily exercise and listened to audio book in skill portal and was able to complete wealthy barber. I had taken spreadsheets from http://thepowerofthrift.com/build-financial-independence-chart-updating-thriftygals-charts-october-2015/ and started updating it apart from https://lab.madfientist.com/. In March I have reached 13k passive income and along with 5k rent makes it 18k passive. Next target is 14k will take another 5 months if everything goes as planned.