Not too much to report this month, other than that this was my final transition month from my old company to my new one. I received my final paycheck from my previous company this month, as well as my first one from my new company.
I have also returned to working in Tokyo rather than Nagoya, just in time for the 2nd wave of the Coronavirus. My current company isn’t well-equipped for work from home, so for the time being I continue to commute into the Tokyo office. The office is fairly empty, however, so that somewhat reduces the risk of exposure.
In other news, I received a $250 bank bonus from an account that I opened in March, right before US interest rates started to fall dramatically. I managed to lock in a decent interest rate at the time, so I don’t plan on moving any money out of the account in the near future. Will keep periodically investing savings, as usual.
Here’s my July expenses:
| Category | 07/20 | Comments |
|---|---|---|
| Rent | $972.67 | Regular rent + $50 for company sharehouse |
| Internet | $17.33 | |
| Cell Phone | $30.54 | |
| Natural Gas | $13.29 | |
| Electricity | $0.00 | Didn’t pay bill before end of the month |
| Water | $0.00 | |
| Groceries | $258.43 | |
| Transport | $118.62 | 1 month train pass for Tokyo |
| Health | $363.23 | Health insurance (overlapping coverage this month) |
| Other | $3.78 | Laundry |
| Necessary | $1,777.88 | |
| Restaurants | $314.08 | |
| Entertainment | $103.47 | Audible subscription |
| Shopping | $445.73 | Bought some networking equipment for a homelab |
| Travel/Parking | $0.00 | |
| Gifts/Donations | $14.89 | |
| Software/Games | $20.02 | |
| Business | $0.00 | |
| Other | $0.00 | |
| Discretionary | $898.18 | More than average for the month |
| Total Expenses | $2,676.06 | More than average for the month |
| Gross Income | $4,406.82 | First salary from new job + $250 bank bonus |
| Taxes | $694.75 | |
| Net Income | $3,712.06 | About average |
| Savings | $1,036.00 | Less than average for the month |
| Savings Rate | 27.91% | Less than average for the month |
| Net Worth | $342,281.52 | Up due to market recovery |
Projected time to FI (assuming 6% growth and 4% withdrawal rate): 6 years, 6 months.