Income:
| Job | ¥383,589 |
| Part time job | ¥8,728 |
| From GF | ¥11,638 |
| Sold speakers | ¥4,000 |
| Sold Monitor | ¥4,500 |
| Total Income | ¥412,455 |
Expenses JAPAN:
| Rent | ¥- |
| Eating Out | ¥25,677 |
| Groceries | ¥17,344 |
| Transportation | ¥33,975 |
| Bills | ¥18,748 |
| Entertainment | ¥19,260 |
| Misc | ¥2,947 |
| Alcohol | ¥4,818 |
| Tuition | ¥1,100 |
| Air Travel | ¥119,760 |
| Medical | ¥45,000 |
| Present | ¥2,807 |
Expenses USA:
| Vaca House | $220.00 | ¥18,062 |
| Air Travel | $1,472.41 | ¥120,885 |
| Entertainment | $7.59 | ¥623 |
| Misc | $2.99 | ¥245 |
Total Expenses ¥431,251
Total Savings -¥18,796
Savings Rate -4.4%
Ouch! Okay let's comb over this mess really quickly. My income was actually the highest it's been so far this year. Don't let that throw you off however. A big portion of that is due to receiving my train pass expense and we recently switched insurance or something at work and the new company bills differently so I didn't pay this month. In May my pay has resumed it's regularly scheduled taxes, insurance, and any other nonsense.
On the expenses side however there were some big hits. The first big one was air travel. For the last few years I have gone home during my schools summer vacation. This year I want to go home and kickstart our vacation home into generating some income (hmmm maybe enough to buy me a plane ticket every year!). However ticket prices have really shot up this year and even booking what has turned out to be the lowest fare I'm still taking it in the pocketbook. Further, my girlfriend and I are planning on traveling during our travels. We will be seeing family in the midwest and on the east coast so that is more air travel.
Some other anomilies you might spot was that there was no rent. That is because I booked my girlfriends tickets on my credit card so rather than pay her rent just to have it come right back to me she just paid me the difference (note the "From GF" income) and that was that. I also went to the dentist, see "Medical," and I guess needed three fillings. UGH! That ¥45,000 will see it's older brother rear it's ugly head next month as I make the second and final payment. But don't worry, no interest.
Over all here is how I am doing for the year:
April to May: -4.4%
March to April: 50.68%
February to March: 65.25%
January to February: 58.66%
Average Savings Rate: 43%
Looking at that number all it does it push me harder to try and find places I am not saving. Where can I cut my spending or where can I increase my income to make up for the shortfall?
Here is a visual of my spending habits over the month.
Although this month was pretty harsh, I would like to point out that I had eight days where I spent zero yen. Pushing the envelope back a little bit more, days where I spent one thousand yen or less, six-teen! I'm sure there are those out there that could blow that figure out of the water, but for me that's pretty good and I'll count it as a win!
How are your expenses faring?
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