THE INCOME = $25,443.28

Day Job: $23,270.94

Day job .. is my day job. It’s what I earn each month, working 40 hours a week. Nothing to see here. Boring.

Anyway.

Blog: $1086.17

Advertising: $182.68

Affiliate: $733.49

Products: $170

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

INCOME GOALS FOR THE NEXT MONTH:

To try and keep it cool and not spend more than $3000

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:

• Lending Loop: Use my referral code { 7b03f0 } to earn $25 once you lend out $1500 to small businesses yourself; I have under $10,000 on loan right now. My yield is 11.8% right now (this is how you get started in private lending with Lending Loop)
• Questrade: Use my QTrade referral { o0soehds } for $50 in free trades (this is how you buy & trade on Questrade)
• TD Bank: In their E-Series mutual funds, I can’t move this locked in retirement money (this is how you buy e-series with them)

THE EXPENSES = $4158.27

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.

My top 5 expenses

What the pie chart looks like

Reflections: In Preserve Wealth Mode

May was my NYC trip. I really just gave myself permission to shop, smartly, within reason, and that’s how I ended up ONLY spending $720 on clothing.

Yes. ONLY.

There was so much more I wanted, but I held back, tried to be prudent / smart about my money and spending it on what I REALLY wanted.

Ended up with this outfit:

But later months? I am going to be thrifting, buying secondhand for cheap and trying to be frugal AF.

Mainly because.. POSHMARK CANADA HAS LAUNCHED

Hate being a broken record about this but I am seriously finding amazing deals on there, like a leather pencil skirt for $20 (originally retailed for $450)..

You can use code

SHERRYISH

..to get a free $10 to use towards shopping. Once you buy something, I get $10 too. <3

Anyway. That’s where I am at now. Preserve Wealth Mode.