Networth and Cash Flow For June

Cash Flow
For the First time I decided to start tracking everything! From income to my expenditures to my investments to analyze where my money is going and where improvements can be made.

Income
Pay (Engineering Job)	$4,500
Dividends	$19.67
Additional Home and Insurance	$300

Total Income $4819.67

Expenses
Food/Eating Out	435.63
Insurance	282.04
Clothing	0
Home	1280.70
Fitness	134.46
Truck & Car	614.24
Fuel	327.36
Bills (cable/phone/heat and light)	348.04
Misc Expenses	218.75
Investments	2182.45
Manulife RRSP	700 +250 Match

Total Expenses Including Investments $6775.67
Total Expense minus investments $3641.22
Total Investments this Month $3132.45 ( I had some Cash on Hand)

% Of Actual Monthly income invested 44.1% (I consider this good as I have a mortgage as well which in turn will be an investment)

The above Pie chart illustrates where the large portions of my money go, From this I notice that I spend a large amount of money of vehicles and my home. While I could probably downsize both my truck and home I feel my financial situation right now does not warrant this change and I do require somewhere to live and a form of transportation. My vehicles cost me around $1000 per month with fuel insurance and payments. And my home cost me About $1628 per month including heat, light, television, phone, insurance and my mortgage.

From this the areas I see I could make cuts are mainly food, misc and fitness. Fitness is usually no cost to me as I have a home gym and powerlift however, from time to time I need to buy something. I consider this a better investment than throwing money away on a gym membership and for the most part I buy quality gear which if needed I could re-sell.

Food is a waste and where I live it is very expensive to eat healthy right now I am eating for about $15/ Day. I would like to get this down closer to $10/Day and I would be happy.

Misc expenses seem to catch up with me and I will try and lower this cost going forward as well.

Net Worth

6/30/2015
27833.24	Investments
2800	Cash
12000	Equity In Truck
5000	Equity In Car
98428	Equity In Home

From the above my net worth is about $146,061.23. I am very pleased with this number I just turned 28 years old and I have only been working for 3 years thus far. I feel good with my progress and my hard work seems to be paying off.