Skip to Content

Year in Review: Finances

I wanted to do an in-depth analysis regarding how much money I am throwing at certain things. I keep track of every penny I spend, and I thought it’d be really cool to see how this information changes over time. This is now the second full year I have recorded this data, but since I write it down in a notebook and don’t scan/copy/back it up/use this information, I actually don’t have feedback for myself on how I’m doing over time.

I thought a little bit as to how to write this blog post because I don’t think it’s a good idea to expose hard financial information on the Internet (may make it bad for, say, salary negotiations down the line). So I decided to expose this data as a percentage of my take-home salary for the given pay period.

A couple idiosyncracies to note about how I account for things here:

  • I do include bonuses as a percentage of take-home income.

  • I count investing/saving as expenses.

  • Percentages likely will not round up to 100% exactly, as I sometimes expend more than I get. Over time, this rounds out (e.g. sometimes I transfer savings into checking if my balance is critically low).

  • Sometimes, expenditures may be negative. This may be the result of a refund, for example.

All values are rounded to three significant digits.

{
    "options": {
      "title": {
        "display": true,
        "text": "Expenditures as percentages of take-home income for all pay periods in Q1 2018"
      }
    },
    "type": "bar",
    "data": {
        "labels": [
          "Food (eat out)",
          "Food (groceries)",
          "Laundry",
          "Transportation",
          "Amazon Purchases",
          "Rent",
          "Investing/Saving",
          "Internet",
          "Misc"
        ],
        "datasets": [
          {
            "label": "1/1/2018-1/15/2018",
            "data": [
              2.58,
              4.08,
              0.177,
              1.33,
              8.62,
              72.1,
              22.1,
              0.0,
              0.354
            ],
            "backgroundColor": [
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)"
            ],
            "borderColor": [
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)"
            ]
          },
          {
            "label": "1/15/2018-1/31/2018",
            "data": [
              20.5,
              3.62,
              0.552,
              3.49,
              -13.6,
              0.0,
              82.7,
              2.53,
              27.1
            ],
            "backgroundColor": [
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)"
            ],
            "borderColor": [
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)"
            ]
          },
          {
            "label": "2/1/2018-2/15/2018",
            "data": [
              15.5,
              4.08,
              0.737,
              6.16,
              7.41,
              90.52,
              -237,
              0.0,
              148
            ],
            "backgroundColor": [
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)"
            ],
            "borderColor": [
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)"
            ]
          },
          {
            "label": "2/15/2018-2/31/2018",
            "data": [
              5.28,
              0.360,
              0.489,
              1.946,
              4.11,
              0.0,
              0.0,
              0.0,
              76.9
            ],
            "backgroundColor": [
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)"
            ],
            "borderColor": [
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)"
            ]
          },
          {
            "label": "3/1/2018-3/15/2018",
            "data": [
              6.87,
              1.36,
              0.0,
              3.44,
              31.1,
              0.0,
              225,
              2.25,
              134
            ],
            "backgroundColor": [
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)"
            ],
            "borderColor": [
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)"
            ]
          },
          {
            "label": "3/15/2018-3/31/2018",
            "data": [
              3.66,
              0.682,
              0.0,
              0.967,
              13.1,
              0.0,
              67.2,
              0.0,
              1.50
            ],
            "backgroundColor": [
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)"
            ],
            "borderColor": [
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)"
            ]
          }
        ]
    }
}
{
    "options": {
      "title": {
        "display": true,
        "text": "Expenditures as percentages of take-home income for all pay periods in Q2 2018"
      }
    },
    "type": "bar",
    "data": {
        "labels": [
          "Food (eat out)",
          "Food (groceries)",
          "Laundry",
          "Transportation",
          "Amazon Purchases",
          "Rent",
          "Investing/Saving",
          "Internet",
          "Gas",
          "Electricity",
          "Misc"
        ],
        "datasets": [
          {
            "label": "4/1/2018-4/15/2018",
            "data": [
              2.36,
              0.0,
              1.31,
              3.41,
              3.12,
              60.0,
              0.0,
              0.0,
              1.19,
              2.98,
              12.4
            ],
            "backgroundColor": [
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)"
            ],
            "borderColor": [
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)"
            ]
          },
          {
            "label": "4/15/2018-4/31/2018",
            "data": [
              4.15,
              0.922,
              0.0,
              0.316,
              43.0,
              0.0,
              90.4,
              0.0,
              0.0,
              0.0,
              9.61
            ],
            "backgroundColor": [
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)"
            ],
            "borderColor": [
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)"
            ]
          },
          {
            "label": "5/1/2018-5/15/2018",
            "data": [
              1.77,
              2.42,
              0.0,
              1.80,
              3.68,
              48.1,
              0.0,
              2.10,
              0.434,
              1.67,
              1.40
            ],
            "backgroundColor": [
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)"
            ],
            "borderColor": [
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)"
            ]
          },
          {
            "label": "5/15/2018-5/31/2018",
            "data": [
              1.15,
              2.78,
              1.75,
              2.23,
              15.5,
              0.0,
              131,
              0.0,
              0.0,
              0.0,
              15.6
            ],
            "backgroundColor": [
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)"
            ],
            "borderColor": [
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)"
            ]
          },
          {
            "label": "6/1/2018-6/15/2018",
            "data": [
              3.76,
              4.38,
              0.0,
              0.661,
              16.5,
              60.0,
              0.0,
              1.31,
              0.491,
              1.90,
              37.7
            ],
            "backgroundColor": [
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)"
            ],
            "borderColor": [
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)"
            ]
          },
          {
            "label": "6/15/2018-6/31/2018",
            "data": [
              1.83,
              4.32,
              0.0,
              0.443,
              0.916,
              0.0,
              87.3,
              0.0,
              0.0,
              1.15,
              3.53
            ],
            "backgroundColor": [
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)"
            ],
            "borderColor": [
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)"
            ]
          }
        ]
    }
}
{
    "options": {
      "title": {
        "display": true,
        "text": "Expenditures as percentages of take-home income for all pay periods in Q3 2018"
      }
    },
    "type": "bar",
    "data": {
        "labels": [
          "Food (eat out)",
          "Food (groceries)",
          "Laundry",
          "Transportation",
          "Amazon Purchases",
          "Rent",
          "Investing/Saving",
          "Internet",
          "Gas",
          "Electricity",
          "Misc"
        ],
        "datasets": [
          {
            "label": "7/1/2018-7/15/2018",
            "data": [
              5.14,
              3.22,
              0.0,
              0.401,
              0.0,
              60.0,
              0.0,
              0.0,
              0.0,
              0.0,
              2.02
            ],
            "backgroundColor": [
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)"
            ],
            "borderColor": [
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)"
            ]
          },
          {
            "label": "7/15/2018-7/31/2018",
            "data": [
              4.15,
              5.08,
              0.0,
              1.35,
              0.525,
              0.0,
              87.3,
              0.0,
              0.0,
              0.0,
              12.2
            ],
            "backgroundColor": [
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)"
            ],
            "borderColor": [
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)"
            ]
          },
          {
            "label": "8/1/2018-8/15/2018",
            "data": [
              8.53,
              1.29,
              0.0,
              0.728,
              3.80,
              42.3,
              46.2,
              0.923,
              0.462,
              1.35,
              1.71
            ],
            "backgroundColor": [
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)"
            ],
            "borderColor": [
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)"
            ]
          },
          {
            "label": "8/15/2018-8/31/2018",
            "data": [
              6.89,
              4.94,
              0.0,
              1.63,
              3.8,
              0.0,
              21.1,
              0.0,
              0.0,
              1.72,
              45.2
            ],
            "backgroundColor": [
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)"
            ],
            "borderColor": [
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)"
            ]
          },
          {
            "label": "9/1/2018-9/15/2018",
            "data": [
              4.45,
              2.83,
              0.0,
              1.84,
              6.28,
              58.1,
              0.0,
              1.27,
              0.476,
              0.0,
              10.9
            ],
            "backgroundColor": [
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)"
            ],
            "borderColor": [
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)"
            ]
          },
          {
            "label": "9/15/2018-9/31/2018",
            "data": [
              3.49,
              7.18,
              0.0,
              1.08,
              0.0,
              0.0,
              127,
              0.0,
              0.0,
              0.0,
              4.02
            ],
            "backgroundColor": [
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)"
            ],
            "borderColor": [
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)"
            ]
          }
        ]
    }
}
{
    "options": {
      "title": {
        "display": true,
        "text": "Expenditures as percentages of take-home income for all pay periods in Q4 2018"
      }
    },
    "type": "bar",
    "data": {
        "labels": [
          "Food (eat out)",
          "Food (groceries)",
          "Laundry",
          "Transportation",
          "Amazon Purchases",
          "Rent",
          "Investing/Saving",
          "Internet",
          "Gas",
          "Electricity",
          "Misc"
        ],
        "datasets": [
          {
            "label": "10/1/2018-10/15/2018",
            "data": [
              5.39,
              9.41,
              0.0,
              0.941,
              5.17,
              58.1,
              0.0,
              1.27,
              0.476,
              1.71,
              7.07
            ],
            "backgroundColor": [
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)",
              "rgba(255, 0, 41, 0.5)"
            ],
            "borderColor": [
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)",
              "rgba(255, 0, 41, 1)"
            ]
          },
          {
            "label": "10/15/2018-10/31/2018",
            "data": [
              4.32,
              1.82,
              0.0,
              1.45,
              3.70,
              0.0,
              84.5,
              0.0,
              0.0,
              1.09,
              6.31
            ],
            "backgroundColor": [
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)",
              "rgba(55, 126, 184, 0.5)"
            ],
            "borderColor": [
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)",
              "rgba(55, 126, 184, 1)"
            ]
          },
          {
            "label": "11/1/2018-11/15/2018",
            "data": [
              2.01,
              3.35,
              0.0,
              0.28,
              2.43,
              32.5,
              59.0,
              0.708,
              0.324,
              0.0,
              2.65
            ],
            "backgroundColor": [
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)",
              "rgba(102, 166, 30, 0.5)"
            ],
            "borderColor": [
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)",
              "rgba(102, 166, 30, 1)"
            ]
          },
          {
            "label": "11/15/2018-11/30/2018",
            "data": [
              2.06,
              1.14,
              0.0,
              4.45,
              9.92,
              0.0,
              44.0,
              0.0,
              0.0,
              0.0,
              27.7
            ],
            "backgroundColor": [
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)",
              "rgba(152, 78, 163, 0.5)"
            ],
            "borderColor": [
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)",
              "rgba(152, 78, 163, 1)"
            ]
          },
          {
            "label": "12/1/2018-12/15/2018",
            "data": [
              5.11,
              4.72,
              0.0,
              3.95,
              -0.098,
              60.4,
              19.8,
              1.32,
              0.494,
              1.03,
              27.4
            ],
            "backgroundColor": [
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)",
              "rgba(0, 210, 213, 0.5)"
            ],
            "borderColor": [
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)",
              "rgba(0, 210, 213, 1)"
            ]
          },
          {
            "label": "12/15/2018-12/31/2018",
            "data": [
              3.78,
              1.15,
              0.0,
              2.32,
              2.78,
              0.0,
              87.9,
              0.0,
              0.0,
              0.0,
              0.0
            ],
            "backgroundColor": [
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)",
              "rgba(255, 127, 0, 0.5)"
            ],
            "borderColor": [
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)",
              "rgba(255, 127, 0, 1)"
            ]
          }
        ]
    }
}

Before we begin our analysis, I would like to add a few more numbers to these four charts:

  • I spent $2805.66 on eating out during this calendar year. This is less than the real total as some restaurants take only cash and ATM withdrawals are counted as miscellaneous, and some prepared foods are purchased in grocery stores, which count as buying groceries.

  • My effective take-home savings rate this calendar year is 42.3%; this is excluding maxing out my 401(k) contributions, which would bump up my take-home savings rate to be around 65.9%. This is less than the 50% I ideally wanted to save (some people go beserk and save 60-75% (with 401(k) maxed out I think) at great cost to quality of life), but it is much better than the recommended 20% personal savings rate. I can live the life I want and be able to afford it with my one measly income stream.


So! What did I learn from graphing all of this?

  • I definitely spend too much eating out, but I’m not going to eat myself into poverty: To the point where it brings me negligible utility. I am trying to practice how to cook homemade food at home so as to reduce this expenditure and burden going forward. However, it’s difficult to see myself eating my way into not being able to pay rent. The absolute biggest expenses are rent and savings.

  • I am spending a healthy amount on education: The Amazon purchases are mostly all books, and many of the miscellaneous purchases are for productivity tools or workstation upgrades. I think I could probably afford to fly to a software conference once in a while, especially if I know I can make it worth it.

  • I have at least one year’s worth of runway in case something terribly bad happens, but I’m definitely not wealthy by any means: As I have no other liquid assets besides what’s in my bank account, and since I do plan on buying stocks when the recession happens late next year (if forecasts are correct), I will need to plan ahead well during the first business cycle downturn I will experience in my career.