February expenses and fi graph

I have spent 61644 in the month of February the major expenses are Tax, cash, insurance, groceries and medical. The average monthly expenses are going to be above 60k most of the months from now on due to tax, insurance, school fee and medical. I will try to reduce the eating out bill and order medicines online whenever possible. With job being not so stable I may have to switch and see where should I hope to be 5 years from now.



FI date is pushed to Mar 2026 which is 7 years 1 month, this date will keep on getting pushed if I do not control my spending.

Pay day for February

My post tax salary after deductions like medical premium, transport, pf and share contribution is 83661. I am planning to budget for 40000 and rest will invest. I have sip worth 20000 so I have to  invest 23661 in nse 100.

My PF(913882) stands at as of today. I am able to login to account now.

FI date and graph

FI date October 2025 which is 6 years 9 months has not changed from last month. Income tax, cash, medical, groceries and eating out are top expenses and I have managed to go to gym when ever I am in office except for 2 days. My passive income has increased by 144. 2461 days from today long way to go.

January expenses

I have spent 45155.19 in the month of January out of which income tax, cash, medical, groceries and eating out are top spends. I have spent 34972.31 last January and I am happy about it because this time I have included income tax as well.

Pay day for January

I have received a salary of 121400 rupees pre tax for this month. I am not saving 50% for last few months due to medical expenses so I am going to budget for 35000 in February and invest the rest. I will be left with 93294 after tax, transport, pf and share contribution. I have to invest 38294 in NSE100 excluding 20000 sip. I had given my wife 41217.4 so I have to make 53508.52 as credit card payment. I did invest 19766 instead of 38294.

My PF(902602) stands at as of today. I am able to login to account now.