January Expenses and FI date

In January I had spent 40594, cash, groceries, insurance, and medical are high. Cash constitutes cook which is 4k. Fairly ok month but February is going to be expensive with birthday, travel, insurance I have to be really careful.



There is dip in net worth and my FI date is pushed to August 2025 which is 5 years 7 months from now. I am failing miserably in getting that date to come down every month, I am pushing the date by spending more.

2019 expenses, goals, returns from investments and FI date

I spent 643443.41 in 2018 including tax and without tax it is 496446.41. In 2018 I spent 759494.45 including tax and with out it is 548798.45. Spent 52352.04 more than 2018, 10% more. Cash spends are more 1.6 lakhs, Groceries 98k.

Broker Fee	354
Cash	160000
DcardFee	588.82
Eating Out	34577.65
Electricity Bill	18107.19
Entertainment	4388
Fee	29.5
Groceries	98012.81
Insurance	39698
Internet	14336.5
Kid	378
Maintenance	985.59
Medical	68425.8
Mobile bill	4556
Personal Care	7948.96
Petrol	5406.69
School Fee	20863
Shopping	33773.14
Travel	36368.8
Tax	210696

Goals, I missed all of them except tracking money.

I made 3.38 lakhs in 2019 with over CAGR at 7.5 % the chance of getting these results in 2020 is bleak but who am I to predict.

My FI date is May 2025.

November updates

I have lost sight of my goals this few months and an struggling to contain expenses a lot them can be avoided but I just made poor choices. My monthly expenses are at 55173. cash spends, medical, groceries, internet, shopping are high. I had to visit doctor few times this month for mother. Shopping are high due to renting furniture. Cash expenses are high due to my stupidity to chase shit.



My FI date has been pushed to Mar 2025 which is 5 years 4 months from now.