Friday, May 8, 2015

Freedom Check - April 2015 (Lowest Expenses, Lowest Income)

At the end/beginning of every month, I will update the status of my freedom fund as a way to stay accountable to you and myself. Assuming everything else remains constant, the freedom fund is based on the number of months that I am able to sustain myself without income.

Freedom Check - April 2015

Income = 100%

Family = 9%
Personal = 0%
Rental = 24.8%
Food = 33.1%
Transport = 5%
Cell = 0.9%
Household = 3.3% 
Travel = 2.9%
Misc. = 0%
Shopping = 1.8%

Contribution to Freedom Fund = 19.2%

Value of freedom: 17.9 months

Commentary: In a pure financial point of view, this is my lowest point (lowest in expenses + lowest in income). After I decided to take the plunge, my income has dropped by 40%, and that's like a huge low blow to my graph.

On the bright side, I bought myself 40% more free time and hey! I've still managed to save 19.2% of my paltry income - that's like pouring another 0.4 months of freedom into the bucket.

The income/expenses graph above is proof that life is non-linear. However, over the long term, I think this is just a minor opportunity cost that I'll have to pay for something greater out there.

Till I find a better rat cage, things will look rather bleak for now.

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  1. Dude! That is rad that even after taking a 40% haircut while you find your place in the world you are able to continue building the Freedom Fund.

    Looking forward to a post updating everyone on what you have been up to during your extra time.



    1. Ain't too bad huh? Hmm, I'll provide an update on my newly found extra time but it isn't as productive as I initially imagined it to be.

      More tweaking needed.


  2. To me, your situation doesn't look bleak at all. I applaud the fact that you made "the plunge". I am not at the point yet, but reading your updates sure helps to keep me inspired.

    1. That's true John, it isn't that bleak but it takes a bit of adjustment to get used to a change. But I did this voluntarily, so no regrets. Thanks for the kind words and hope to see you around.