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Happy December!!!

So November wasn’t a perfect finance month by any means, BUT I reached a huge milestone in my financial journey!

I REACHED A POSITIVE NET WORTH!

I’ve been looking forward to this point in my financial journey for a veryyy long time!

Let’s jump in:

General $ Updates

I reached over $11,000 saved for my student loans

The more the better! And it’s kind of nice to reach $11K by the 11th month 🙂

My emergency fund dropped below $3K again

I know an emergency fund is there for a reason, but I’ve got to admit I hate taking money out of there! I’m back down to around $2,500. By the end of the year I really wanted $6K, but it will just take me a bit longer.

Debt

I started the month of November with my official debt at $36,000 and ended with $36,000. However, I technically started at $25,442.64 if you consider the money I have saved to pay those loans down. 

In November I saved an additional $451.46 for my student loans (bringing my total saved to $11,008.78) so my final debt for November would be $24,991.22.

I still have paid $0 in interest 😊

Spending

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

Groceries: I’m under budget finally!!!

Health/Beauty: Another month of very high medical expenses. This is primarily medication, supplements, vitamins, and an office visit at my Holistic doctor.

Personal: I did some Black Friday shopping and bought a lot of new workout clothes

Income

Full-time job (microbiologist): $5,134.44

ONLINE/BUSINESS INCOME

Google AdSense (ad revenue from YouTube): $491.86
Financial Coaching: $250.00
Buy Me a Coffee/Venmo: $189.82
Mediavine (display ads on LivinglikeLeila): $160.12
Affiliates: $43.05
Teachable: $6.76
Etsy: $5.05

Online/Business Income Total: $1,146.65

EXTRA INCOME

Rakuten: $60.00
Chase Cashback: $37.46
Discover Cashback: $28.98
BeFrugal: $19.05
Fetch: $10.00
BOA Cash Rewards: $3.79

Extra Income Total: $159.28

Pre-Tax Total Income: $6,440.37

Net Worth

As of November 30th my net worth is $343.14!!!! I REACHED A POSITIVE NET WORTH YA’LL!!

Roth IRA (VTSAX): $8,574.22 (up 0.4% compared to last month)
M1 Invest (VTI): $4,269.98 (up 15.6% compared to last month)
Coinbase: $95.85 (up 68.3% compared to last month)

Sinking Funds:

  • Taxes = $3,654.47
  • Emergency Fund = $2,504.44
  • Gifts = $260.66
  • Medical/Dental = $1.00
  • Car maintenance = $1,056.68
  • Travel = $234.46
  • Car insurance = $270.36
  • Project $0 to Profit = $14.01
  • Phone = $472.41
  • MacBook = $701.82

Credit Score

My VantageScore increased by 21 points to 788!! Great increase

November Goals Update

  • Reach at least $11,200 in my student loan savings NOPE, Missed the mark by bout $200
  • Make over $1,000 online CHECK
  • Put in more effort this month to make over $1,500 in December NOT QUITE

December Money Goals

  • Reach at least $11,400 in my student loan savings (Ideally $12K)
  • Make over $1,500 online
  • Reach $3,000 in my emergency fund again