FI date and graph

My FI date is July 2024. Relatively medium monthly expenses have decreased the FI date from Oct 2025 to July 2024 due to last years very high expense. I am sure I have to work hard to contain my expenses as medical expenses and eating out will cost me in future.

July Expenses

I have spent 29022.45 in the month of July. Cash, groceries, medical, transport, electricity bill are high. I was ok in July because of no family outings for eating, somehow have to minimize my own eating out in August and to make it zero this month.

Pay day for July

My post tax salary after deductions like tax, transport, pf and share contribution is 94847. I am planning to budget for 45000 expenses. I have sip worth 20000 so I have to invest 29847 in nse 100. My PF stands at 970282 as of today.

FI date and graph

My FI date is Oct 2025. Relatively high monthly expenses have decreased the FI date from April 2026 to Oct 2025 due to last years very high expense.