In Budget Roundups, Money

August 2019: Income & Expenses Budget Roundup

THE INCOME = $1334.51

Day Job: $0

I am not working right now. I am taking the next while off (month? months? years?) until I find something I want to work at.

Blog: $1134.51

Advertising: $568.81

Affiliate: $420.02

Products: $345.68

Save. Spend. Splurge. Products sold, include:

https://www.savespendsplurge.com/products

INCOME GOALS FOR THE NEXT MONTH

None. LOL .. I don’t plan on making any income aside from blogs, and side things.

I have been selling my items in general, so whatever comes from that, great.

Basically, if I don’t burn through $200K before I get another contract, I’m cool. 🙂

I see it this way, because a year ago, I had about $600K as my net worth.. now that I am at $800-ish, I just need the general trajectory to be up, not down… if I sink back down to $600K then we will have issues.

If you are interested, my money is parked here:

  • EQ Bank: Good, general 2.3% high interest savings account; subject to change
  • Tangerine: Use my Orange key { 32726976S1 } for free money ($50 once you deposit $100; and I get $50 too)

…credit card extra rewards cashback savings here:

  • PayTM Canada and PayTM USA is also how I pay my municipal taxes, utility bills and so on with my CREDIT CARD (yes!! TO GET CASH BACK) plus I earn PayTM points for Amazon, Starbucks gift cards etc… Use my referral code [ PTM210713 ] for a free bonus 5000 points ($5 gift card)

…and invested here:


…and I list my things for sale here:

THE EXPENSES = $4158.27

If you’re interested, I use the following credit cards:

  • eBatesI use this site ALL THE TIME when I shop online, and thus far have racked up $750 in cashback in 3 months. Use referral link here [ https://www.ebates.ca/referrer?referrerid=RUKLesGAZDc%3D ] for a free $5 to get started.
  • PayTM Canada and PayTM USA is also how I pay my municipal taxes, utility bills and so on with my CREDIT CARD (yes!! TO GET CASH BACK) plus I earn PayTM points for Amazon, Starbucks gift cards etc… Use my referral code [ PTM210713 ] for a free bonus 5000 points ($5 gift card)
  • Rogers World Elite Mastercard – No annual fee, 1.75% cash back, but you can only redeem it yearly and you have to call each year to ask them to redeem the credit against your next year’s statement. I use it for all my purchases as I buy a lot in USD$, and those purchases are 4% cash back (almost like a no forex fee in essence)
  • Tangerine Mastercard – No annual fee, 2% back on certain categories (up to 3). For their savings accounts, use my Orange key { 32726976S1 } for free money ($50 once you deposit $100; and I get $50 too). I give this card to my partner (he has a joint card) and he uses it constantly.
  • I used to have the MBNA World Elite Mastercard but they increased the annual fee. That was disappointing, they used to give 2% back on everything.

This is what it looks like:

And my top 5 expenses this month were quite admirable since I implemented my $200 Fun Budget:

Out of my $200 Fun Budget, I was left with $7.98 at the end of the month. SWEET!

This is where my $200 went:

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Sherry of Save. Spend. Splurge.

Millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using TheBudgetingTool.com. Since then, I have paid my $600K home in cash (my half was $300K), my $180K casr in cash, worked 50% of my career (taking 1-2 year breaks), and quadrupled my income within 2 years of graduating, going from $65K to $260K with an average lifetime savings rate of 50%. I could retire today if I wanted, but love my work-life balance as a freelancing consultant in STEM (Science, Technology, Engineering, Math). I am all about balance - between time and money, and also enjoying my money. I also post daily on Instagram @saverspender.

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