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?

Share Tweet Pin It +1

Sherry of Save. Spend. Splurge.

Am my own Sugar Daddy. Am a millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using TheBudgetingTool.com. 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 with an average lifetime savings rate of 50%. I have 11 side incomes that are on track in 2020 to make me $50K - $75K. 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.

You may also like

Previous PostThe Delusion of People who are Well Off and Think They Are Not
Next PostJune 2019: The Net Worth and Investments

No Comments

Leave a Reply

In a nutshell…

Save. Spend. Splurge.
[ wealth. style. minimalism. ]

——

MOST DEBT: cleared $60K in 18 months

MONEY: Hit $1M personal net worth At 36

NEW GOAL: $1M in invested assets

FAVOURITE DAY: payday

HATES: being late & lazy people

SOCIAL: Instagram @saverspender

DRINKS: homemade matcha lattes

SLEEPS: on a 100% cotton U.S.-made futon

WRITES: Books (also available on Amazon).

BEAUTY: swears by Paula’s Choice

——

…but you can read more about me , browse my index of posts, or get in touch with me, talk to me directly on Instagram, and of course, ask me anything here.

$35 The Wealth Building Tool

Like a Boss Library (Sherry’s Books)

Referral Codes

Free Money Surveys
[ Use this link ]



Webhosting
[ saverspender ]



Shopping Cashback
[ Use this link ]



Clothing Resale


[ SHERRYISH ]



Private Lending
[ 7b03f0 ]



No-Fee Banking
[ 32726976S1 ]



Discount Brokerage
[ o0soehds ]



Social media scheduler
[ saverspender ]



Blog Ad Network
[ Use this link ]



Disclosure

Save. Spend. Splurge. uses affiliate links from Shopstyle, and Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com or ShopStyle. In addition to these, any referrals on the page will result in revenue if used such as BlueHost.

In English: If you click on a link, I could get a small commission, typically a few cents. And if you use a referral code, I could get anywhere from $10 – $70 for it. Thank you for your kind support!

Also, I am not a professional investment advisor or money manager by any means.

I am just a woman who loves money, talking about money, and making money.

All opinions expressed on this blog are personal and for entertainment value. Take them with a grain of salt and always consult a professional when in doubt.