Expense/Income Tracking

Here is a breakdown of my expenses for January.

Household	$45.03
Mortgage	$355
Entertainment	$1.00
Transportation	$86
Food	$179.10
Phone	$30.28
Health	$95.09
Travel	$25.31
Student Loan	$5.84
Total	$822.65

My January expenses were quite low as there were no unexpected expenses.

Entertainment expense was for a one month digital subscription to the New York Times.

The mortgage payment was my regular mortgage payment. I did pay extra on the mortgage, but I’m now considering that savings rather than an expense so I’m not including it here.

Transportation was all for gasoline.

My food expense was high, but at least lower than the month before. This includes eating out almost every day. Since my other expenses are low I’m not going to worry about keeping this expense too low.

My phone bill was normal. I have one more month left to pay off my phone and then the monthly bill will go down by $4.

Household expense was for laundry, a haircut, recording a deed, and some personal hygiene items.

Health expense was for health insurance, some medicine and my first month of gym dues. Joining a gym during the pandemic might not have been a wise move. I’m hoping the expense proves worth it.

Travel expense was for a bus fare and my taxi to the Cancun airport.

This month my expenses should be about the same unless I decide to travel a bit.

How was your month?

Here is a breakdown of my expenses for December.

Household	$35.65
Mortgage	$455
Entertainment	$39.72
Transportation	$21.77
Food	$221.50
Phone	$32.93
Health	$167.24
Travel	$492.01
Total	$1465.82

My December expenses were a little higher than normal due to being in Cancun for most of the month.

Entertainment expense was for three movies and a one month digital subscription to the New York Times.

The mortgage payment includes a $100 extra payment made to the mortgage. I’m considering not including extra mortgage payments in my expenses since they are a form of savings. What do you think?

Transportation was for one tank of gas and a few bus trips in Cancun. This category was much lower than normal since I can mostly walk everywhere I need to go in Cancun.

My food expense was much higher than normal. This isn’t surprising since I ate out almost every day and sometimes ate out twice a day. These meals brought me quite a bit of enjoyment so I think I received good value for the expense. I’ll be returning home this month which should result in this expense going down considerably.

My phone bill was just a tiny bit higher than normal. I had to use my phone as a hotspot for work for a couple of hours and I needed to use my phone’s data to try to solve a problem with Airbnb which resulted in more data use than usual. This month should go back to normal

Household expense was for laundry, a haircut, a small gift and some small items that I needed while away from home that I didn’t pack.

Health expense was for a dental visit and some medicine.

Travel expense was for a hotel room for one night in Cancun and switching to a different Airbnb which was about $300 more expensive than the one I originally booked. My experience with Airbnb was somewhat of a fiasco which I should write a post about. The details are too much to include here.

This month my expenses should return to normal since I’ll be back home for most of the month.

How was your month?

Here is a breakdown of my income for November.

Interest	$30.57
Amazon FBA	$54.71
Swagbucks Deal	$30
Class Action	$20.93
Cashback	$83.25
Dividends	$14.37
Ebay/Other Selling	$961.01
Total	$1194.74

November’s income was okay considering I didn’t have any job or unemployment income during the month. Income was a little larger than my expenses which is always good.

My Amazon FBA side hustle made a small profit. I’ve mostly moved to selling in an online buying group so FBA profits won’t be too large.

Dividend income came in at $14.37. 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 $961.01 selling stuff online and eBay. I’ve got one item that I’m able to quickly flip that’s making most of my profit. I’m hoping the demand is still there when I get back from Cancun.

I also received $83.25 in cash back. This relatively large amount is mainly from buying stuff online to resell.

Lastly, I received $20.93 from a random class action and $30 from a Swagbucks deal.

How was your month?

Here is a breakdown of my expenses for November.

Household	$12.55
Mortgage	$355
Entertainment	$92.56
Transportation	$129.15
Food	$138.02
Phone	$29.44
Health	$56.96
Travel	$276.26
Total	$1089.94

My November expenses were at a reasonable level.

Entertainment expense was for three months of Amazon Prime, an action camera, and a barbecue meal with a friend. .

The mortgage payment is self-explanatory.

Transportation was for gas and personal property tax on my car. One benefit of having an old and cheap car is that the taxes are quite low.

My food expense was at a normal level. It will probably be higher this month since I’m in Cancun and will be eating mostly restaurant meals.

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

Household expense was for toothpaste, floss, and a small gift.

Health expense was for my January 2021 health insurance premium, some vitamins, and acid reflux medicine.

Travel expense was for a room for one month in Cancun and some travel insurance. I need to write a post about my Cancun trip. Ideally, I’ll do that in the next few days.

This month will be a little higher than last month since I’m away from home and I will have some small vacation splurges.

How was your month?

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?