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.
Goals:
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.
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
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 (
4. Exercise at least 20 days a month (
5. Read one book a month (
6. Plan 2 trips out of state.Failed
7. Not to take unnecessary unplanned leaves from work (
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.
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.
