Finances January 2019
Still calculating the finances as 50% of our shared expenses as the divorce wasn't finalised yet and we were still sharing expenses.
Income January 2019
| Category | $ | % |
|--------------|--------|-------|
| Total | 11,503 | 100.0 |
| Paychecks | 2,915 | 25.3 |
| 401k | 3,282 | 28.5 |
| ESPP | 5,096 | 44.3 |
| HSA | 210 | 1.8 |
This month's income was a lot higher than usual, as it included the first pay check covering my holiday pay for December and the employee stock purchase program paid out the stocks that were paid into for the last 6 months. This is also the first month I'm putting in and maxing out my employer HSA.
Spending January 2019
| Category | $ | % |
|--------------|-------|-------|
| Total | 5,978 | 100.0 |
| Pets | 2,146 | 35.8 |
| Mortgage | 737 | 12.3 |
| Rent | 700 | 11.7 |
| Food | 485 | 8.1 |
| Legal | 366 | 6.1 |
| Entertainment| 355 | 5.9 |
| Health | 254 | 4.2 |
| Electronics | 246 | 4.1 |
| Bills | 126 | 2.1 |
| Auto | 69 | 1.1 |
| Insurance | 57 | 2.0 |
| Other | 24 | 0.9 |
This month's expenses were absolutely awful.
One of our dogs started pooping blood and had to spend 3 days in observation at the vet along with a ton of tests which adds up quick along with the medicine he needed after. All told the treatment of this ended up costing over 4k. Thankfully he seems to be doing fine now, but was definitely a huge unexpected expense.
Along with that halfway into the month my ex-wife wanted me to move out asap rather than when the divorce was final on her psychologist's recommendation. This changed plans a decent bit, good news is I found a room I could rent for probably the next year that's $600 month utilities includes and is a 10 minute walk or about 6 minutes on bicycle from work and maybe 15 and 8 minutes for each of those to the grocery store. The downside though is that as this happened while we were still married January had both a mortgage payment and a big lump sum for rent both for the last week of January, February and a month for the last month on the room. This about doubled out expenses on roofs over our heads in January. On the flip side I won't have any rent on my February budget at all since it's already been paid.
There was an increase in eating out and gas as my wife and her sister have been travelling back and forth(she lives about 3 hours from us) to spend time together and going out to party and restaurants together. I contributed a little bit to this too by ordering Chinese for me and the new housemates to celebrate the move the day I moved.
There were also more legal fees related to hiring a lawyer to write a decree of divorce for us and they charge a minimum of 3 hours of work even if it comes in at less than that.
Net Worth January 2019
| Category | $ | % |
|--------------|---------|-------|
| Total | 240,326 | 100.0 |
| Cash | 7,323 | |
| Home | 110,171 | |
| Investments | 185,411 | |
| Credit | -1,050 | |
| Mortgage | -61,529 | |
Net worth went up about 17.5k from the previous month mostly thanks to the market bouncing back.
Spending/Savings Rate January 201
| Category | $ | % |
|--------------|---------|-------|
| Income | 11,503 | 100.0 |
| Spending | 5,978 | 51.9 |
| Savings | 5,525 | 48.0 |