FI date and graph

My FI date is April 2026 which is 7 years 6 months 1 months more than last month. October was an expensive due to cash, medical, groceries and entertainment expenses. I was not able to walk 2 KM for 20 days (walked 8 days though) 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. Mother's health is not good.

October expenses

I have spent 33443 this month cash, groceries, medical, entertainment, electricity bill and eating out expenses are high this month. I have spent 12292.89 more than last year. I am expecting November to be high due to planned mom's medical and festival expenses. I could have saved some money on eating out but did not.

Pay day for October

I have received a salary of 113707 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%(62539) 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 46000 should be invested in NSE 100 (both investments done (26000) and SIP on 1st for 20000).I will be left with 41343 in month of November plus some money left in October.

My PF() stands at as of today. I am still not able to get my PF balance from EPFO site but I have raised request, although I have added 5040 and from previous balance it should be 575551(570511+5040).

FI date and graph

My FI date is Mar 2026 which is 7 years 6 months 2 months a more than last month. September was an expensive due to cash, medical, groceries and shopping expenses. I was not able to walk 2 KM for 20 days (walked 2 days though) 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. Mother's health is not good.

September expenses

I have spent 36439.46 this month groceries, cash, medical, and shopping expenses are high this month. I have spent 16809 more than last year. I am expecting October to be high due to planned mom's medical and care expenses. I could have saved some money on cash but did not. Have to see if I can track cash expenses daily.

Pay day for September

I have received a salary of 111607 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 50%(55804) 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 42476 should be invested in NSE 100 (both investments done).I will be left with 40751 in month of October plus some money left in September. 

My PF() stands at as of today. I am still not able to get my PF balance from EPFO site but I have raised request, although I have added 5040 and from previous balance it should be 570511(565471+5040).