Monthly Cash Flow – May ’19

5 months down, 5 spreadsheet days.  As you probably know by now, I love this time of the month where I get to reflect and track myself to my annual goals.

As I said last month, I’m still figuring out the format for how I want these to be done, so as you’re reading please be on the lookout for any way you feel the layout or presentation of this could be improved!  I hope you enjoy!


May 2019 Spending

For a grand total of $2,477.  This is 20% above my average. This month was particularly high for me because my girlfriend and I booked our final Air BnB for our trip to Europe in November, as well as a mid trip flight between countries.  Also this was the 3rd time I’ve purchase clothing in the last 19 months. Apart from those, nothing really out of the ordinary! Apart from that, fairly bog standard.


Financial KPIs for May:

Investment Contributions: $4,900

Take Home Income: $1,355

Savings: $3,779

Total Cash Flow: -$1,121 (will be positive again in July as my 401k is 2 more paychecks from being maxed out for the year)

Savings Rate: 60%

Net Worth: $78,479 (-$1,104 from last month)

Thoughts:  I got a 10% raise at work which is very exciting, but our company stock (even though I don’t own much of it) really took a nosedive this month and delaying me reach the $80k mark.


Fitness KPIs for May:

Total Miles Biked: 771 (had a few races that I wanted to be fresh for so volume dropped as a result)

Total Miles Run: 83 (being enjoying lunch runs at work!)

Total Yards Swam: 0 (not swimming right now focusing on my bike and my run)

Total Hours of Exercise: 58

Bike Miles on Bike Commute Days: 422

Days Biked to Work: 16 (same as last month)

Best Bike Commute Streak: 23 (streak carried over from April, but May 14th was the last day of the streak due to a particularly rainy morning)

Number of Races: 2 (got a 5th in a race with only a podium of 3, and 6th in a race with a podium of 5… so close twice!)

Thoughts: Been feeling strong in races and I can keep up with the lead group but I just haven’t been able to pull it together at the very end


Year to Date Progress Towards Annual Goals:

Savings Rate Goal (50%): YTD Savings Rate of 63%

Bike More Miles than Drive: 1,696 Driven vs. 4,171 Biked

Max 401k: $15,925/$19,000 84% (1 more month until completion)


My full list of annual goals can be found here:


Thanks for reading, and I hope you enjoyed! Please let me know how you liked the format and if you’d like to see anything else added in for future monthly wrap-up!

This Post Has 5 Comments

  1. More miles biked than driven! that’s wild! I drive a lot for work, visiting job sites and such, so I’d never come close to this!

    1. That would make it WAY tougher haha, you’d practically have to live on your bike for all non-work hours. Pretty fortunate to have a short commute and to be able to work from home once a week

  2. Nice tally! Great job on maxing the 401k too. Would you consider amortizing your travel expenses for November over a few months, or attributing it to when its actually used? I have also started practising some hacks where I book on or only at places with free cancellation and payment on arrival, so that I dont have to incur large upfront costs for trips that are months away. It doesnt throw off my numbers too much I put that money to use instead. 🙂

    1. Thanks, Jamie! I’ve considered that, but I think that’d be too much work for me. But I do categorize expenses in a way that I can easily look at my transaction list and basically find out the whole price of the trip, which is enough functionality to me!

      Will have to look into those! We typically just look at Air BnB but it’s probably not always cheaper, so looking at those would probably be worthwhile.

      Also I kind of like front loading expenses, because then I feel better when I’m spending less haha

  3. This is such a brilliant post! I love the layout of it!

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