Expense/Income Tracking

Here is a breakdown of my expenses for July.

Household	$179.59
Rent	$410
Entertainment	$0
Transportation	$74.16
Food	$74.38
Student Loan	$14
Phone	$31.60
Health	$92.53
Total	$876.26

My June expenses were very low. I had low expenses in almost all of my expense categories.

I once again didn’t have any entertainment expense at all. They might open the movie theaters this month and I might attend a show. If not, this category will probably be $0 again

Transportation was all for gas. I made a trip to Kansas City and a couple trips to Springfield resulting in more gas use than normal. I’m starting this month with an almost full tank of gas so this month should be even cheaper.

I paid $14 towards my student loan.

My food expense went way down. I was busy most of the month and didn’t have time to go out to eat as often as I usually do. This expense will probably stay about the same unless I’m able to travel a little. Eating at home saved me a lot of money. I’m able to spend so little on food because my mom buys groceries. I just buy my meals out or any special groceries that I want.

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

My health expense was $92.53 for a dentist visit and a refill of my blood pressure meds.

Household expense was mainly the first month’s internet bill at the new house and a deposit for electric service in our new house. .

The rent expense was only $410. This consisted of paying for a repair on the old house and paying for three month’s trash service at the new house.

Travel expense was $0. I’m still hoping to do some domestic travel. If that works out, I’ll have some travel expense this month.

This month may be a low expense month again. If I’m able to travel or I decide to pay extra on the mortgage then I’ll spend a little bit more.

How was your month?

Here is a breakdown of my income for June.

Interest	$13.53
Amazon FBA	$45.24
Unemployment	$3680
AZ Merch	$2.21
Brokerage Bonus	$281
Dividends	$10.69
Dietbet	$23.30
Natty Light Promo	$100
Total	$4155.97

My income for June was very good considering I was unemployed the entire month. .

My Amazon FBA side hustle made a profit for a second month in a row. I’ll try to make that three months in a row.

Dividend income came in at $10.69. 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 $2.21 from Amazon Merch. They are allowing new designs to be added again so I might add some more designs. Adding new designs won’t be a priority since this isn’t much of a money maker.

I made $281 for signing up for a new online brokerage. I also made $100 from a promo Natty Light was running a couple of months ago. These are both deals I found from reading Doctor of Credit. It is a great site to read if you like these kind of deals.

Unemployment was the major contributor to my income in June. This will be the last month of the federal weekly $600 unemployment payment. I’m hoping that I’ll be hired back by my employer by then. If not, I’ll still go off unemployment at the end of the month and try self-employment for a while.

Income for this month should be about the same. Income should once again greatly exceed expenses so I can’t complain.

How was your month?

Here is a breakdown of my expenses for June.

Household	$50.86
Rent	$255.40
Entertainment	$0
Transportation	$756.05
Food	$138.01
Student Loan	$345.00
Phone	$28.56
Health	$2.70
Total	$1576.58

My June expenses were a little high due to one large unexpected expense and another optional expense.

I once again didn’t have any entertainment expense at all. They might open the movie theaters this month and I might attend a show. If not, this category will probably be $0 again

Transportation was the killer expense this month. My car broke down while I was in a city about an hour away from home. I had to have my car towed to a local repair shop where they replaced the alternator, battery, and a belt. If I’d been in town, I think the repair bill would have been about half as much. It was just bad luck that the car broke down while I was out of town. If you own a car, you’re occasionally going to have some bad luck. I also bought one tank of gas and got a $10 refund from my auto insurance company.

I paid $345 towards my student loan. Since my online income is earmarked for paying my student loan and I actually had some income in the last couple of months I went ahead and made a payment on my loan.

My food expense was up a bit. I really didn’t try to keep this expense low since I knew I wouldn’t be spending much overall. This expense is still pretty low compared to my average spending over the last couple of years. This month, I’m going to be a little more disciplined and reduce this expense.

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

My health expense was $2.70 for some over the counter medicine. I’m not sure if I’ll have any health expense this month.

Household expense was for random things such as laundry detergent, stamps, and a gift of gas money to my brother.

The rent expense was only $255.40. This consisted of a $50 apartment application fee that was made before we decided to move in with my aunt. And the rest was paying my aunt’s utilities to compensate her for letting us live in her house for the month.

Travel expense was $0. I’m hoping to do some domestic travel this month. If that works out, I’ll have some travel expense this month.

The car repair and student loan payment made up over $1000 of this month’s expenses. Without those it would have been a very low expense month. I expect this month to be a little lower. I will be paying a bill for a repair on the old house and I’ll hopefully have some travel expenses. If those expenses don’t happen or are lower than expected it could be a low expense month once again.

How was your month.

Here is a breakdown of my income for May.

Interest	$16.20
Amazon FBA	$25.97
Unemployment	$3248.00
Cashback	$25.82
Online	$228.71
Dividends	$13.11
Job	$1742.44
Total	$5300.25

My income for May was surprisingly up quite a bit compared to the previous month. Considering my expenses were only $1346 for the month, my income to expense ratio was great.

My Amazon FBA side hustle made a profit for the first time in a few months. . Amazon finally allowed non -essential items to be sent in and I sold a few items.

Dividend income was down a bit. This was expected since I sold some of my dividend stocks in April and May is an off month for dividend payments. 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 $228.71 in online income from renewing some ads. I haven’t had any new ads placed in quite a while, but luckily I do still have one business that keeps renewing their ads. I probably won’t make any more income from the blog the rest of the year unless I start promoting some affiliate items.

Job income was down quite a bit since I only worked two weeks out of the month. I’ve been laid off three times since the office was shut down due to the virus. I’m currently laid off and not sure when they will have work for me again.

Unemployment was the major contributor to my income in May. It is pretty crazy that I currently make more from unemployment than I do working as an attorney. I was paid four weeks of unemployment in May since my two weeks of unemployment in April wasn’t paid until May.

Income for this month will be lower since I won’t have a back payment of unemployment to boost the total. Income should still greatly exceed expenses so I can’t complain.

How was your month?

Here is a breakdown of my expenses for May.

Household	$819.66
Rent	$304.66
Entertainment	$0
Transportation	$16.46
Food	$124.25
Travel	($11.20)
Phone	$42.57
Health	$50
Total	$1346.40

My May expenses were high compared to last month’s extremely low expenses. My necessary expenses were actually quite low. My expenses for the month were only high due to making cash gifts.

I didn’t have any entertainment expense at all again this month. With everything being closed there is nowhere for me to go to spend money on entertainment.

Transportation expense was for $20 of gas and $6.46 for a flat tire repair kit. My auto insurance company issued me a $10 refund reducing this small total even more. That is about as low as this expense can get as long as I still have a car.

My travel expense for the month was negative $11.20. I received a refund of taxes from cancelling a couple of flights. I’m waiting for a refund of taxes from a third cancelled flight. Since I don’t know when I’ll be allowed to travel to the countries I want to visit I’m not yet making any travel plans. I doubt I’ll spend any money on travel this month.

My food expense went up quite a bit. I had way too many takeout meals and I wasn’t as good at only buying bargains as I was in April. This expense is still pretty low compared to my average spending over the last couple of years. I think I’ll be able to reduce this expense a little this month.

My phone bill was higher than normal. This was due to having to use my phone as a hotspot. We had a big storm earlier in the month which left us with no power and no internet for three days. Since I needed internet to work my doc review job, I used my phone as a hotspot for a few hours. The rest of the time I went to my aunt’s house and worked from there. Spending a bit more on my phone bill made sense since it allowed me to earn a lot more than the extra data cost.

My health expense was $50 for a doctor visit. I probably won’t have any health expense this month.

Household expense was the big expense category for the month. I donated $300 to various charities as a way of giving back some of the stimulus money I received. This will also allow me to take a $300 charitable deduction on next year’s taxes. I also paid about $500 to buy new siding for my mom’s house. A couple of walls as well as the roof were damaged in the storm. Since the roof was nineteen years old, insurance didn’t cover the full cost of replacing the roof. I’m paying some of the expense of replacing the siding to help offset what she has to pay out of pocket.

Without the $800 of money I gave to others, my expenses would have been under $600. I will be paying more home repair expenses for my mom this month so my expense level will be even higher this month. Otherwise, I would expect to have a low expense month.

How was your month?