Summary of Income and Expenses for July 2017

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
Total 376,327 831,428  -54.7

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[%]
Rent 88,540 88,540 0
Grocery and dine out 96,161 133,014 -27.7
Liquor  8,913   26,598 -66.5
Healthcare including gym 13,006   14,038   -7.4
Mobile and ISP   7,298           0 n/a
Utilities   2,623     1,646  59.4
Travel and transportation 45,515   10,488 334
Clothes and laundry   3,826   12,525 -69.5
Entertainment and education 10,910        330 +321
Other expenses 166,840  145,416 +14.7
Total 443,632 448,197 –  1.0

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.

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