I'm hoping for growth overall from 2016 to 2017 and that shouldn't be too hard since January and February are typically solid savings rate months for me as I front load my 401k contributions a bit and those were missed in 2016.
I generally front load my 401k so that a good % of the overall contributions flow in the first two months(especially February) but don't max the whole thing. I would like to max out my 401k as early as possible but my employer does not do a true-up for the contributions so I have to make sure to keep contributing enough to get the full match on each paycheck.
I do have some goals set for 2017 that relate to savings rates including hitting a 50% at least three times during the year as well as overall savings rate goals.
I'm not sure January makes great progress on those goals as my expenses were a bit high due to some lag on expenses from Christmas as well as some personal expenses to improve my winter wardrobe and work clothing(awesome winter boots and gloves and some dress shirts).
Let's take a look at how I did in January. First up is the gross income breakdown.