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Some of the links in this post may be affiliate links. If you click a link and purchase an item I receive a small commission at no extra cost to you. All opinions are my opinion. Read the full disclosure here.

April didn’t go as planned, but sometimes that’s life and we just have to go with the flow.

In March I was dealing with some health issues that continued into April, I ended up getting surgery which cost me over $1,000. However, I do believe I overpaid and I am waiting on the claim to go through to my health insurance.

Healthcare in the US is pretty frustrating, but I’m grateful to have access AND that I was still able to cash flow this emergency.

April was still a solid month financially though and I’m really proud of that!

Here it goes:

Debt

I started the month of April with my official debt at $36,000 and ended with $36,000. However, I technically started at $34,953.53 if you consider the money I have saved to pay those loans down

In April I saved an additional $1,545.75 for my student loans (bringing my total saved to $2,593.60) so my final debt for April would be $33,406.40.

I paid $0 in interest ๐Ÿ˜Š

Spending

Some main things to point out about my spending in April:

Sinking Funds: I stopped saving for my ‘Personal’ sinking fund but also added a sinking fund for my car insurance. This will be $120 each month.

Groceries/Food Out: Yay for being under budget!!

Gas (car): I still only got gas once, but gas prices have been increasing so I paid a little bit more than expected.

Health/Beauty: Obviously I was WAY over budget here due to my surgery, multiple prescriptions, and multiple doctor visits.

Gifts: It looks like I spent a lot but I really didn’t at the end of it all. I purchased a group gift and was reimbursed $140 throughout April and May.

Piercing Change: I know this is technically personal spending but it wasn’t really by choice. I had to get my daith piercing removed before surgery so I had to go to a piercing shop to get a temporary. You can’t leave the temporary in for too long so I went to a different shop to get it put back in but they don’t do the type of earring I had so I had to buy a new one and pay to have it replaced!

MacBook Charger: Unfortunately, my MacBook charger snapped so I had to buy a new one! I’ve had my laptop (and charger) since 2014 though so that’s not too bad. Because of this I also decided to start a sinking fund for a new laptop beginning in May. I’m in no rush to get a new one though.

Income

Full-time job (microbiologist): $4,937
Google AdSense (ad revenue from YouTube): $464.91
Mediavine (display ads on LivinglikeLeila): $194.52
Financial Coaching: $150
Teachable: $11.08
Buy Me a Coffee: $104.40
Affiliates: $39.12

Poshmark: $4.05
Chase Flex Rewards: $7.94
IBotta: $28.65
Discover Cashback: $85.89

Business Income: $964.03
Extra Income: $126.53
Pre-tax total = $6,027.56

Net Worth

As of April 30th, 2021 my net worth is -$14,457.43.

It did go down which is upsetting but I should be able to recover soon!

Roth IRA: $6,481.81
M1 Invest: $1,338.72

Sinking Funds:

  • Taxes = $1,104.40
  • Emergency Savings = $4,629.61
  • Gifts = $337.77
  • Medical/Dental = $0.95
  • Car maintenance = $436.31
  • Travel = $371.59
  • Car Insurance = $120.06
  • FinCon = $450.81
  • Phone = $121.10

Credit Score

My VantageScore through Credit Karma stayed at 759 despite paying off the balance that was submitted last month ๐Ÿ™„

Overall Updates

I started a sinking fund for a new MacBook

$100 a month until I reach about $1,400. I’m definitely not in a rush to buy a new one and will make my current laptop last as long as possible even after I save that total.

I cash flowed my unexpected surgery

Instead of touching my emergency fund, I chose to cash flow the cost of my surgery. This does take away from debt savings, but I would rather do that than build up my emergency fund again.

Besides, I’m pretty sure I was only supposed to pay $100 for my surgery, not $1,022 so I’m expecting a refund eventually.

April Goals Update

  • Put at least $1,500 to student loan savings CHECK
  • Make over $1,000 online NO, BUT SO CLOSE ($964)

Money Goals for May

  • Put at least $1,000 to student loan savings
  • Make over $1,000 online