Hello readers, this is the second post today.
In July , I earned the following income, which is 54.7% decline YOY. The reason why my take-home pay was so low was that I quit my full time job in mid-July. From next month on I will earn zero take-home pay unless I resume to take a day-time job.
|Item||2017 July [JPY]||2016 July [JPY]||change [%]|
|Take-home pay from my day time job||296,377||762,257||-61|
|US Dividend income after tax (estimate)||79,950||69,171||15.6|
|Japan dividend income after tax[actual]||0||0||0|
My expenses in July decreased by 1% YOY although I quit the full time this month. I could reduce my expenses on grocery/dine out for the third month in a row.
|Item||2017 July [JPY]||2016 July [JPY]||change[%]|
|Grocery and dine out||96,161||133,014||-27.7|
|Healthcare including gym||13,006||14,038||-7.4|
|Mobile and ISP||7,298||0||n/a|
|Travel and transportation||45,515||10,488||334|
|Clothes and laundry||3,826||12,525||-69.5|
|Entertainment and education||10,910||330||+321|
The saving rate in July was -17.9% which was 53% in June this year. On the other hand, my dividend income covered 18% of my total expense, which is 37% lower than June this year.