In Budget Roundups, Money

June 2019: Income & Expenses Budget Roundup

THE INCOME = $0

Day Job: $0

Not working any more. Took the summer off.. expect this to be a regular $0 from now on!!!

Blog: $1109.18

Advertising: $753.78

Affiliate: $289.40

Products: $66

Save. Spend. Splurge. Products sold, include:

https://www.savespendsplurge.com/products

INCOME GOALS FOR THE NEXT MONTH

None. I am not working.

I am taking a break, I am not really putting any pressure on myself. I need to focus on getting my health and shape back, and relaxing with Little Bun.

If I work, great. If I do not, okay. I need a break, and I have planned for a year or so as a break.

I make some money off the blog but not enough to support my lifestyle, but at least it pays the condo fees, and a little of the household bills.

It isn’t so bad. 🙂

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 cash back 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:

THE EXPENSES = $4158.27

WHOOO HAAAA…

I knew coming to Toronto would trigger the spending bug and you know what?

Je ne regrette rien.

I like all the pieces I got, a lot of it was secondhand or VERY DEEPLY discounted, and I managed to also fend off many impulse purchases like impractical straw bags, and the like.

Most of what I got, are great staple pieces that look fantastic, and now I have cuffs / bracelets for daaaays…

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

  • 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.

Yeah, looks about right. Not sure why my chart is showing -15% for clothing when it is just 15% but .. there you have it.

Household Equipment again, is all for my parents. I guess I should have changed it to Gifts come to think of it. I am not asking for money back.

Once I go back to Montreal, the spending will drop. I will be focused on working out, and getting my finances in order in terms of studying what dividend stocks I want to buy so I am diversified and not so heavy in banking / finances.

How did your July go?


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Sherry of Save. Spend. Splurge.

I got out of $60,000 of debt in 18 months using TheBudgetingTool.com. Since then, I have worked 50% of my career (taking 1-2 year breaks), and quadrupled my income within 2 years of graduating, going from $65K to $260K (savings rate = 85%). I could retire today if I wanted, but love my work-life balance as a freelancing consultant in STEM (Science, Technology, Engineering, Math). I also post daily on Instagram @saverspender.

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