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.
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.
neurosciency
i am also in preserving wealth mode! my goal is to pay down $2k of debt in the next six months. too bad i love to shop. ahhh!!! i guess i have to start thrifting again, LOL.
Mia
Are all your money posts in Canadian dollars?
Sherry of Save. Spend. Splurge.
Yes š
PLambchop
I can’t believe you spent less than $750 in New York. That IS restrained. New York shopping is my kryptonite.
Sherry of Save. Spend. Splurge.
Iām just as surprised as you are. That said, I came back and immediately returned a bunch of things to offset the trip š