January's Saving Rate

This is probably a bit late but who cares ;-)

I've just finished dabbling with the figures, the calculations are based on pre-tax income I made (after retirement compulsory contributions), any extras I made (via side-hustles, allowances, vouchers, birthday money). Expenditures include the regular ones that take place monthly, and yearly categories that I've budgeted for (e.g. new eye glasses, work-related expenses, money for grannies, tax) and money for folks (this amount is almost the same amount of my monthly budget, kinda huge).

*cues drumroll* So I managed to save 45.85% of income in January! Pre-tax.

For those who wonder why I kept my calculations pre-tax when calculating the savings rate...well, that's because I"m new to the tax system and there are a lot of factors that drastically changed the amount I was paying for before, and now. I cannot calculate exactly how many % of my monthly income will go to paying tax but all I can do, right now, was putting away enough money each month and build up a cushion. 

Right now I have a savings account, a checking account that includes tax and emergency fund (so 3 accounts). I also have a fixed deposit account tucked away in another bank, that also comes with a checking account which I do not use currently. I prefer to separate emergency fund from the tax reserve fund, and another account for yearly categories/replacements (stuff like dental checkups, and replacing electrical appliances in the household), savings account for savings, checking account for regular monthly expenditures. I'm thinking maybe I need more number of accounts than I thought I need. But that's for another day!

When looking at the 45.85%, I was thinking those extra income I earned really made a difference. Guess how the number will drop if I'm relying solely on one job??? That kinda worries me...