11-06-2019, 02:43 PM
Day 62 (0)
NoFap counter fell to zero, more on that tomorrow or on Friday. A lot of weird, interesting (both good and bad) stuff is happening and I need to figure them out before proceeding.
Money, money, money
Though I finally bothered myself to make this expenses summary I promised way back when. So today I'll share that with you. Two words of before we start though.
First of all how I earn money. I have monthly salary, which puts me slightly below mean salary and spot on on the median salary. In addition, twice a year I get additional "bonus", worth around 4-5 monthly salaries. So this bonus effectively doubles my salary and allows me to lead a extremely comfortable, lower middle class standard of living, which is easy when you are in your 20s and you have no wife, no children, no car and no loans.
That being said I don't want to depend on the bonus for my livelihood. I'd like my normal salary to be enough and to use bonus to buy myself some "presents" like new electronics or trips as well as invest it somewhere for the future ahead. There will be time when I will have wife, children, car and loans...
Second thing is I consider counting my money huge and important part of my self-improvement. Not for money, like I said I have more than enough. The point is to be conscious where I spend my money. It can often showcase both good and bad trends. I don't really intend to spend less money, where money itself is concerned I don't want to go over the limit, sure, but more important is to spend money better.
So, the highlights of the summary:
If I manage to save some money there is plenty of ways to spend it. Even better quality food, cosmetics, diet supplements, long overdue change of wardrobe... There never enough money, right?
NoFap counter fell to zero, more on that tomorrow or on Friday. A lot of weird, interesting (both good and bad) stuff is happening and I need to figure them out before proceeding.
Money, money, money
Though I finally bothered myself to make this expenses summary I promised way back when. So today I'll share that with you. Two words of before we start though.
First of all how I earn money. I have monthly salary, which puts me slightly below mean salary and spot on on the median salary. In addition, twice a year I get additional "bonus", worth around 4-5 monthly salaries. So this bonus effectively doubles my salary and allows me to lead a extremely comfortable, lower middle class standard of living, which is easy when you are in your 20s and you have no wife, no children, no car and no loans.
That being said I don't want to depend on the bonus for my livelihood. I'd like my normal salary to be enough and to use bonus to buy myself some "presents" like new electronics or trips as well as invest it somewhere for the future ahead. There will be time when I will have wife, children, car and loans...
Second thing is I consider counting my money huge and important part of my self-improvement. Not for money, like I said I have more than enough. The point is to be conscious where I spend my money. It can often showcase both good and bad trends. I don't really intend to spend less money, where money itself is concerned I don't want to go over the limit, sure, but more important is to spend money better.
So, the highlights of the summary:
- 1.6% remained in my pocket. I think 5% would be better goal, but anything between 0 and 5 I am fine with.
- Half goes to monthly expenses - 42.4% goes to rent, water, electricity, internet, those sorts of things. This will not go down unless I will move, which I have no intention of doing. 5.6% goes to "services", things I subscribe to like Spotify, Patreon etc. This in theory can go down, but as of now I have no intention of cutting it.
- 5.8% goes to beverages. I can cut it by drinking tap water but... Well, come on!
- I spend more money on foods designated as "good" then those "bad". That's great news, I really did not expect that.
- 11.8% goes to cigarettes. That's a lot, sure, but not that much. Consider this - in my darkest hour I'd spend 20% on cigarettes. Furthermore, if I were to keep to my goals I'd be spending right now maybe 8%, the overflow comes from more stressful days where I almost chain smoke. I'm thinking mainly about visits at my mom's right now. Going down to 8% even counting stressful days with this would be a good idea with eventual 0% somewhere down the line.
- Only 2.2% went to alcohol, I'm extremely proud of this one. On one hand it represents my almost non-existent social life right now, on the other the fact that rarely do I buy myself alcohol for my own. Pretty proud of this one, although time will come when I'll have to stop being such a recluse.
- I spend only 1.4% on transport. Goes to show how much I don't need a car.
If I manage to save some money there is plenty of ways to spend it. Even better quality food, cosmetics, diet supplements, long overdue change of wardrobe... There never enough money, right?
For not by numbers of men, nor by measure of body, but by valor of soul is war to be decided.
~Belisarius, the last Roman
Certitude is for the puzzle-box logicians and girls of white glamour [...]. I am a letter written in uncertainty.
~36 Lessons of Vivec, Sermon 4
~Belisarius, the last Roman
Certitude is for the puzzle-box logicians and girls of white glamour [...]. I am a letter written in uncertainty.
~36 Lessons of Vivec, Sermon 4
