Here is a breakdown of my income for September.
| Online Income | $657.02 |
| Bonuses | $210 |
| Interest | $11.25 |
| Surveys/Ebay/Cashback | $9.54 |
| Total | $887.81 |
My income was decent considering I didn’t have any job related income. I won’t likely be able to repeat the amount of online income this month though. My income was higher than my expenses for September but it still needs to be higher for me to continue not having a job.
My August investment income rose to $34.87 from $29.44 the month before. This was due to a large contribution to my Roth IRA. It looks like a lot of that gain will be given back this month. I probably won’t contribute much to my Roth this month since I’m not certain of my future income right now.
Disclaimer:This is not my actual investment income. To get this figure I first add up my retirement accounts, emergency fund, and any other money I consider permanent savings. What the total of my savings would earn at 6% interest for a month is my monthly investment income.
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Here is a breakdown of my income for August.
|
Job |
$864.82 |
|
Online Income |
$355.50 |
|
Bank/Referral Bonuses |
$135 |
|
Interest |
$16.88 |
|
Surveys/Selling Stuff |
$17.40 |
|
Total |
$1389.60 |
My income was decent considering I only worked for about half the month. M y online income should be up significantly next month. I use the cash method of accounting, I had a good amount of affiliate sales in August that won’t be counted until I receive them this month. It will be difficult to make up the $864 in job income though. I’m working on some ways to increase my online income but it will probably be a couple months before I see any results.
Here is a breakdown of my expenses for August.
|
Household |
$437.32 |
|
Utilities |
$90.60 |
|
Food |
$32.51 |
|
Transportation |
$149.15 |
|
Entertainment |
$85.75 |
|
Charity |
$200 |
|
Student Loan Debt/Education |
$219.36 |
|
Total |
$1214.69 |
I went over my goal of $1000 but that mostly was because of the $200 I gave to charity so I’m ok with that. Should be under $1000 this month because my education expense will be down since I’ve bought all my books and I won’t have a donation to charity. Transportation costs should go down since I’m not doing the delivery job anymore. My food costs were only $32.51 since I ate most meals at my girlfriend’s house. That cost will go up this month because I’m going to start buying some of our groceries. The other expenses should remain roughly the same.
My July investment income rose to $29.44 from $27.69 the month before. This is pretty good since I was only able to contribute $100 to my Roth IRA. Most of the gain from the mutual fund in my Roth IRA rebounding a little and receiving the employer match on my small 401k. Since I’m quitting my job I won’t have a 401k much longer. I plan to do a rollover to my Roth IRA. The nice thing about my 401k is that my contributions and the employer match are immediately 100% vested.
Disclaimer:This is not my actual investment income. To get this figure I first add up my retirement accounts, emergency fund, and any other money I consider permanent savings. What the total of my savings would earn at 6% interest for a month is my monthly investment income.