Total Pay: JPY 326,995 (USD 4,167)
Total Savings: JPY 202,800 (USD 2,584)
Money Left Over: JPY 13,183 (USD 168)
Savings Rate: 66% (Total Savings+Money Left Over)/Total Pay
I hit my savings rate which I like, but only because I had some money left over (otherwise I'd be at 62% if I'd spent my whole budget). I need to plan this better. Next Months Goal: 70%
Savings Break Down:
Emergency Fund: JPY 31,200 (USD 398)
Investing: JPY 171,600 (USD 2187)
Once I have a six months emergency fund built up I'll stop saving in cash and invest everything.
Expenses Break Down:
Rent: JPY 50,100 (USD 638)
Restaurants: JPY 31,104 (USD 396)
House: USD 230
Groceries: JPY 7,589 (USD 97)
Bills: JPY 7,582 (USD 97)
Alcohol: JPY 6,986 (USD 89)
Presents: JPY 5,127 (USD 65)
Entertainment: JPY 3,460 (USD 44)
Clothes: JPY 1,980 (USD 25)
Transportation: JPY 2,340 (USD 30)
Mail: JPY 625 (USD 8)
Newspaper: JPY 130 (USD 2)
Grooming: JPY 95 (USD 1)
I think the biggest improvement I can make is in the "Restaurants" category. This is going out with friend to restaurants and eating and drinking. This included a Valentines day date with my GF. I've been better lately at just saying no to friends and sometimes even lieing and just say "I'm broke till next paycheck." Maybe not far from the truth if I kept going out. My goal for next month is to shave this down to JPY 25,000 (USD 320).
The "House" expense is a house my family owns back in the States. I'm helping to pay for 1/2 the monthly expenses here as I might end up living there if/when I move back to the US. It's all paid off and in the mean time I am trying to figure out how to rent it out.
"Groceries" is a place I would like to increase some spending as I think every yen spent there would decrease "Restaurants" by 5 fold.
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