February 2018 Budget Roundup: The Income & The Expenses
Okay so you know how I gloated that I killed it blog-income wise last month?
Yeah, this month SUCKED.
I dropped down significantly by half. O_o
THE INCOME = $22,194.70
Day Job: $21,155.40
Day job .. is my day job. It’s what I earn each month, working 40 hours a week. Nothing to see here. Boring.
Save. Spend. Splurge. Products sold, include:
- The Budgeting Tool
- The Investing Tool
- Book: How to start a blog and make an extra $1000 a month
- Book: How to invest your money forever and spend less than 4 hours a year (U.S. & Canada versions available)
- Wanderlust Scarves
WHAT HAPPENED TO YOUR BLOG INCOME?
I HAVE NO CLUE. 🙁 I need to figure this out.
I went from killing it, to “back to normal”, although I suspect the rush of holiday spending is over (e.g. Christmas and New Years), so advertisers pull back usually at the start of the year.
INCOME GOALS FOR THE NEXT MONTH
Going to see if I can pick up some more contracts
BECAUSE I AM NOT BUSY ENOUGH.
I am searching out for a way to see if I can work at another contract simultaneously while I am at this one.
Why? Because I need money.
Because I can do this with the free time (LOL) I have after work starting at 4-ish and on the weekends. If I can contract work part-time on top of all of this, this would totally be the sweeeeetest thing ever to pull in even more per month.
Will start offering career / money coaching consults
I think I might also take some of your advice, dear readers and friends… and start seeing if I should push my business of consulting (personally) more.
I have been helping a bunch of people as of late, and I am really good at it because I’m passionate about teaching everyone as much as possible about how to CRUSH IT in life, career and money…
My recent success stories:
- Nailing a 6-figure job and leaving a toxic environment
- I don’t know if I am qualified to be a Director, help!
- I make $26K a year and can’t do this any more
Sooo… if you’re interested, I’m taking on new clients.
My fee is $50 per half an hour, and if you send me some points before our call (I will call you), I can focus in on a lot in a short amount of time.
Need to get this blog income straightened out. WTF, man!?
As for my blog income I really need to take some time to review the blog and try to figure out what the heck is happening.
I basically went from earning about $100 – $200 from Adsense each month to $20 a month.
Something changed, something is wrong, I am missing SOMETHING…. and I need to spend time looking at it because this is NO BUENO (see? learning Spanish as a new language goal with Duolingo is already paying off).
I am doing SOMETHING different. Or Google is. I need to work on this.
THE EXPENSES = $4158.27
My goal was to stay under $3750. I clearly did not make it, despite my bushy-tailed, bright-eyed hopes.
Few side notes here about a few categories I want to point out:
I AM NOW ROLLING OVER MY AMOUNTS MONTH TO MONTH
I am tweaking my budgeting tool a bit to see if this will help me — basically, I can over spend in any month, but that deficit carries onto the next month and so on until it is “paid off”.
For instance, in a category like HOME where I pay on average about $576 a month for my home (condo fees AND taxes included), there are some months like this month where a whackload of municipal taxes hits me all at once, and it runs me straight into the negatives.
With this approach, I can see that I will have “paid off” the taxes with my average forecast of $576 a month, by October (I get slammed again in a month or two with the second instalment).
In a spendy sort of way, I am also rolling over “saved” amounts. I didn’t spend TOO much on clothing this month and as a result, for March, I have slightly more money (double what I budgeted) for accessories if I choose to spend it (or not).
I am also toying around with the idea of robbing one category like Style to pay for another like Electronics, but I think I may not want to complicate things, and I’d rather be happy with having saved in that category rather than ultimately having spent the money even if it was in another area.
The more “credit” I accumulate the better I will feel, and maybe by the time it hits Black Friday and I get an urge to buy one nice beautiful thing, I’ll have a set budget and ‘reserve’ money from previous months to pay for it, with zero guilt involved.
You know, my Grocery line has always been insane. We buy organic, we buy top quality stuff and we eat WELL.
We have in recent months however, cut WAY BACK on meats and seafoods.
In fact, I think we eat meat / seafood perhaps.. once every 2 weeks if that. Grilling season will be upon us soon, so I suspect this will change into fish on the grill and so on, but we have been pretty good at not eating meat lately which has helped the budget.
In addition, with retirement so close in sight that he can SMELL IT, my partner has been diligently working on NOT buying dinner every night outside (baguette, etc), or buying something but just a snack. And relying on eating our food stores.
I have (as a result) been making a LOT of noodles (my new favourite thing is to add Nutritional Yeast in there as a flavouring).
We are going for at least a month to Europe this year. We’ll both be benched around the same time and I am thinking I’ll extend that to two months or longer. We’ll see.
I am hoping he will agree to spend 2 weeks in France and another 2 in another country, but he is not keen on “wasting” his retirement money (LOL) going to places where we don’t have family to bum room and board off on, so I suspect we’ll be sticking to France pretty strongly.
Anyway that’s coming up, expect to see an expense in my budget soon.
Eh?? EH?? Look at how great my numbers are! I have been super conscious about NOT buying stuff I don’t want.
I am doing really well, except.. obviously… the most recent purchase of these yoga pants that I didn’t really need but was at a low weak point, and bought on a whim. *sigh*
Old habits die hard. But I am doing really well.
I am consciously AVOIDING “browsing” stores I love, I am consciously avoiding going online and “just looking”, and focusing my energies on reviewing my closet and listing more stuff for sale.
…but then it seems to have transferred into an ELECTRONICS spree of sorts. I just .. upgraded on everything that I use often. I will explain how and why though, and my plan on “paying it all back”
I picked up in this month alone the following:
$1115.53 = Sony RX100 V Camera
An upgrade from the Version 1 I owned and loved; in a few short words, it is AWESOME.
24 frames per shot (fps) means when Little Bun starts soccer this summer, I am going to catch every movement.
The quality is phenomenal and I really leapfrogged from Version 1 that I bought secondhand for $600 with all the accessories to this Version 5, which I ripped the accessories off the old one for, and just put them on this new one (e.g. handgrip, spare batteries…)
$150 = Apple Wireless Airpods
SUCH a good deal from a friend, brand new, I couldn’t pass it up.
They normally retail for $219 + taxes so it would have been $251.85. I saved a full $100 off the retail price, which is 40% off!
$287.43 = Kobo AuraOne E-Reader
Not only is this e-reader bigger, it is actually LIGHTER than my old Kobo Aura (first version that is only 6″).
The pages turn really fast (I hate waiting) and I had waited about a year and a half checking obsessively on Indigo and Kijiji for a used Kobo AuraOne e-reader.
I finally decided this month, to bite the bullet and buy it. There is no point in waiting another year or two, and being frustrated with my old e-reader when I have the means to buy a new one. Life is too short to hate reading.
SO… UMM.. WHOA. HOW ARE YOU PAYING ALL OF THIS BACK?
I’m selling off old stuff. Electronics, I sold my old camera, I sold my old e-reader, my old GPS,…….all to help offset the cost of these items.
In doing so, I got about $420 back from old electronics lying around that I never used, that I am using to help offset this Electronics category section.
Nice huh? This is making me even more motivated to scrounge around my closet and find MORE electronics to offload and get rid of.
So far, this is not bad. I mean, $420 off stuff I considered to be inactive / useless? Win-win, honestly.