Andy Hough

Here is a breakdown of my income for October.

Interest	$8.05
Amazon FBA	($15.57)
Unemployment	$288
Bank/Stock Bonus	$29.95
Cashback	$88.69
Job	$625.10
Amazon Merch	$4.48
Dividends	$18.03
Ebay/Other Selling	$458.75
Total	$1521.05

October’s income was okay considering my job only lasted for one week of the month. It was still about double my expenses which is good.

My Amazon FBA side hustle had a small loss for the month. I had a big return and mostly sold on other platforms so I didn’t have much income to offset the loss from the return expenses.

Dividend income came in at $18.03. If you sign up using my Robinhood referral link we will both get one share of free stock. Thanks to anyone who signs up using my link. Every little bit helps.

I made $288 from unemployment. I’m trying to make more from self-employment and I’ll be out of the country for most of December so I’ve decided not to file for unemployment again this year. I’m hoping next year I’ll have more stable employment and won’t need to file.

I made $458.75 selling stuff on eBay and elsewhere. I’ve got one item that I’m able to quickly flip that’s making most of my profit. I’m hoping the demand will hold up for a couple more months.

I received $625.10 from one week of work at a new job. Unfortunately, they haven’t had more work for me since then.

I also received $88.68 in cash back. This is the amount that I cashed out from my credit cards, not the amount I earned. Since there isn’t much travel now, my Chase Sapphire card is allowing me to cash out my points to reimburse myself for grocery and restaurant purchases which is why cashback is higher than usual.

Lastly, I received $29.95 from a credit card promo and a stock app promo and $4.48 from Amazon Merch.

How was your month?

Here is a breakdown of my expenses for October.

Household	$9.19
Mortgage	$353.67
Entertainment	$13.90
Transportation	$97.04
Food	$110.42
Phone	$30.12
Health	$97.70
Total	$712.04

My October expenses were quite low. This is about as low as they can get.

Entertainment expense was for a discounted month of Amazon Prime and buying a friend a Burger King lunch.

The mortgage payment is self-explanatory. I’ll usually round up the payment a bit, but I didn’t last month.

Transportation was for gas and an oil change with synthetic oil.

My food expense was at a normal level. I could reduce this, but for now I feel like I’m getting good value for the money I’m spending.

My phone bill was normal. It will usually be within a couple dollars of this total.

Household expense was for some deodorant and a socket set.

Health expense was for a dentist visit, refills of my blood pressure medications, and some antacids.

This month’s expenses will likely be a bit higher since it is difficult to keep expenses as low as I did in October. I still expect this month to be a low expense month though.

How was your month?

Here is a breakdown of my income for September.

Interest	$18.82
Amazon FBA	$40.81
Unemployment	$1422
Insurance Refund	$1042.43
Cashback	$38.83
Dividends	$11.95
Ebay/Other Selling	($14.40)
Total	$2560.44

My income was up for the month after a low income month in August.

My Amazon FBA side hustle continues to make a profit. I just need to get it higher.

Dividend income came in at $11.95. If you sign up using my Robinhood referral link we will both get one share of free stock. Thanks to anyone who signs up using my link. Every little bit helps.

I made $1422 from unemployment. I opted to have them start deducting 10% for tax so I hopefully won’t have a big tax bill next year.

I lost $14.40 selling stuff on eBay and locally. I had a couple of returns, a couple of sales where I lost money, and a lost package during the month. It wasn’t a good month. I should eventually get reimbursed for the lost package.

I received a surprise check of $1042.43 from the health insurer I had last year. The refund was due to them not spending enough of my premium for health services. I had no idea this check was coming so it was very welcome surprise. It is the first time I have ever received a $1000 check that I wasn’t expecting.

I also received $38.83 in cash back. This is the amount that I cashed out from my credit cards, not the amount I earned.

I’m starting a new job Monday so this month’s income should go up a little bit.

How was your month?

Here is a breakdown of my expenses for September.

Household	$25
Mortgage	$355
Entertainment	$30.97
Transportation	$270.12
Food	$122,65
Bar Fees	$606.67
Phone	$30.02
Health	$0
Total	$1440.43

My September expenses were a little higher than normal due to some unusual expenses.

I spent $606.67 for some continuing education and my annual attorney enrollment fee so that I could return to active status. I’m hoping the return to active status will lead to a job and I’ll be able to recoup this expense. Even though the year is 3/4 of the way over I had to pay the entire annual enrollment fee to return to active status. If I have any associated income I’ll write this off as a business expense, but I don’t expect that to happen.

Entertainment expense was for seeing a movie and buying a large popcorn, and buying lunch for a friend. There were only three other people in the theater so it wasn’t difficult to stay socially distanced.

I made my first mortgage payment in September.

Transportation was for gas and six months of insurance.

My food expense went up a tiny bit. This was due to eating a lot of meals out. I need to cut back on the fast food and junk food snacks.

My phone bill was normal. It will usually be within a couple dollars of this total.

Household expense was mainly for a replacement blade for my Oneblade razor.

This month should have much lower expenses.

How was your month?