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.