Sep 2026 net worth (+$3,258)

Monthly breakdown of net worth

Monthly breakdown of budget

Despite having a pretty high expense rate this month (56% vs. 41.2% in August), I somehow still managed to hit my initial objective of $0 NW, which honestly remains a bit of a mystery.

Looking at where the money went, rent is still sitting in 1st place, as expected. What surprised me was Gifts and Video Games taking 2nd and 3rd. I definitely fell victim to the “new shiny thing” effect this month, especially with Hitman WOA and the new 007 game on PS5, both costing $70+.

Groceries also dropped by 7%, while takeaway went up by roughly 1%. The correlation is pretty obvious. I could come up with a few excuses, but the main reason was simply being lazy. Choosing Doordash over groceries shopping for fresh food, wanting to spend my time doing other things instead of cooking, and top it off with a little case of food poisoning.

Overall, not the worst month, but definitely a few areas where I could’ve been more disciplined.

I need to keep a lid on for particularly video games and takeaway for the upcoming month.