Pay day for June

I have received a salary of 85314  rupees post tax for this month. I usually save 50% of post tax salary but due to mother's health condition I will invest after what is left. I am paying myself 5000 towards tax shield and rest I will see by end of month.

I will be left with 80314(85314-5000) and I have paid credit card bill of about 61000 this month. 

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  555391(550351+5040).

Lows of my life

I had a stressful Sunday. Mom woke me up at 4 AM and said she was having heart palpitations and I slept near her and at about 8AM we went to near by hospital and got her admitted to emergency. The call of not in danger was quick and we were moved to observation room and left hospital at 1PM. She is having high BP and that lead us to palpitations. My home is not in order wife was not talking as she has issues with mother staying with us and some crap. I made a decision to be there for my mother when needed and not abandon her. I just wish this gets over soon and I think will take at least 3 months. I think mom will be ok if she occupies her mind with something rather than sitting idle all day. She is 64 and is like 75, I think it is medication and her own fears that is making all this even more stressful. I should come to office when ever possible and should try to relax when ever I can.

26th night and 27th morning I had spent night at hospital. These days too count as lows.

Stress and things I am grateful for

My mother is not keeping well and I am having family trouble. I am hoping this would probably will last few months and will subside a bit. Stress is taking a toll on me, feel like I am responsible for everything and work is not pretty either but better than family issues. I just wanted to remind myself that I have mother living with me and I am at her side when needed. I have financial life in order and can live close to 10 years if shit happens. I just need to keep my head down and move on.

Just to see when can things turn better I am using a count down.

                            17 - 1 day

18 19 20 21 22 23 24 - 7 days (8 days so far and 24 is hardest of the lot, visit to emergency family issues and all. Yesterday alone I spent around 5300. Keeping my head down and moving along, hoping this stress would last 3 months to minimum. 6 more days to go this month and 2 more days to last 10 days)

25 26 27 28 29 30      - 25th blood test and sleep less night for mom - 9th day. 26th ultra sound and pain in head. 26th night and 27th morning till 8 AM spent in hospital visited psychiatrist and pulmonologist. - 11th day
28th scare nerves head ache but my mother's sister was there to help. Have taken appointment from nursing services. - 12th day

                            01 - 7 days shit days 29, 30 and 1... 15th day

02 03 04 05 06 07 08 - 7 days family shit ... 16th day (employed caregiver) 17th day nothing happened...18th day vomiting at night and slipped on floor. 
05th - 19th day and no complaints but still sick

09 10 11 12 13 14 15 - 7 days Visit to doctor and not well - 09th 23rd day
10th and 11th no sleep for mother she was not able to sleep properly - 25th day.12th was ok day - 26th day

16 17 18 19 20 21 22 - 7 days 17th July is 31st day and we visited Gastroenterologist in Yashoda was stressed all day :( 
18th July skin problem 32nd day
19th July was ok 33rd day
22nd July was ok 36th day

23 24 25 26 27 28 29 - 7 days
24th July was ok 38th day
25th July was ok 39th day

30 31          
31st July 45th day stomach pain for Mom and stressed.

August
         01 02 03 04 05 - 7 days Visited hospital on Saturday and planning to visit another hospital next week. 50 days completed so far.
06 07 08 09 10 11 12 - 7 days 57 days
13 14 15 16 17 18 19 - 7 days 13th Aug visit to doctor 18th revisit-64 days
20 21 22 23 24 25 26 - 7 days 71 days - visit to doctor on Wednesday 22nd
27 28 29 30 31 
                 
September
                       01 02 -7 days 78
03 04 05 06 07 08 09 - 7 days 85 days
10 11 12 13 14 15 16 - 7 days 92 days - 10th Sep Mom vomited :( there is always this lingering thing in my mind that things are not ok and they are not going to be ok ever.
17 18 19 20 21 22 23 - 7 days 99 days
24 25 26 27 28 29 30 - 7 days 106 days Visited Orthopedist on Saturday and she is no better.

October - 31 days - 137 days she is better but hospital visits are frequent

November - 15 days - 152 days visited doctor and better than october.

                   16 17 18 - 3 days - 155 days

19 20 21 22 23 24 25 - 7 days - 162 days

19th Swelling on ankle 25th - Vomiting :(
26 27 28 29 30 01 02 - 7 days

         

Goal Progress

1. To save 50% of my post tax salary and deposit in MF without any second thought. 

Expensive month and was able to save only 47%. Failed

2. To have 15000 as passive income per month and not touch the savings at any cost unless medical emergency or job loss.

Passive income stands at 13657.

3. Track my expenses every month and see how did it go.

Tracked expenses this month.

4. Exercise at least 20 days a month  Failed

Lazy and slacked :(

5. Read one book a month 

Read snowball till 250 pages are so. Failed

6. Plan 2 trips out of state.

Did travel but not for vacation.

7. Not to take unnecessary unplanned leaves from work.

Have not taken any unplanned leaves.

I am getting weak and need to strengthen myself can not lose, just have to list down things and complete them.

1. Buy AC before June 15.

2. Find cook before June 15.

3. File revised income tax before June 25.

4. Buy socks 3 pairs before June 11.

FI date and graph

My FI date is Mar 2023 which is 4 years 10 months which has changed after an expensive month. May was an expensive due to school fee, cash, internet, groceries, medical and travel expenses. I was not able to walk 2 KM for 20 days 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. In worst case scenario I will go back to hometown and live there.