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.

It’s the final month of the year! Wow, it really flew by.

November was a strong income month for me, but I also spent quite a bit of money. It all worked out and I’m excited to end the year on a strong note and start getting excited about 2023.

General $ Updates

I earned more in online/extra income than my full time job

That’s crazy!! I’ve never earned more from my business and extra income than my full time job! After taxes and such it ends up being less, but this is still really exciting for me and gives me a lot of hope.

I got a raise at my full time job

After a performance review in September/October, I got a 5% raise. This isn’t anything significant honestly, but it still helps. I’ll be getting about $150 extra per month plus contributing a larger amount to my 401(k).

Student Loan Debt Relief Plan has been blocked

If you have student loans you probably already know this. As of right now it looks like Student Loan debt cancelation won’t be happening at all. I’m not expecting it to so I’m just continuing on as normal.

Student Loan Forbearance has been extended

And with that I will just keep on saving for my student loan debt. We don’t have to pay our student loans for another 6 months or so (at 0% interest).

I opened another checking account for a sign-up bonus

I got an email invite to open a Wells Fargo checking account for a $325 bonus. I have to have a total of $1,000 directly deposited into this account over the next 90 days so I set that up with my company. I will then receive $325!

Debt

I started the month of November with my official debt at $36,000 and ended with $36,000. However, I technically started at $13,908.25 if you consider the money I have saved to pay those loans down

In November I saved an additional $1,022.47 for my student loans (bringing my total saved to $24,239.65) so my final debt for November would be $11,760.35.

I still have paid $0 in interest 😊 I did gain $64.65 in interest through my HYS account.

Spending

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

Donate: My company shared that they would match donations up to $500 per employee so I decided to take full advantage of that! I donated $500 to Barkville Dog Rescue then my company gave them another $500!

Groceries and Food out: Over budget on both again. Not terribly though. Plus I bought more because of Thanksgiving.

Health/Beauty: I ended up buying more beauty items (skincare) because they were on sale for Black Friday. I was going to buy them in December anyway so it saved me money to just go ahead and buy them.

Personal: I went well over budget on personal spending. I primarily bought workout clothes πŸ˜… I just love them so much! I also bought a planner for 2023, yay!

Spotify: I usually order the Spotify $99 gift card in December, but went ahead and bought it this month.

Income

Full-time job (analyst/consultant) – Take home: $3,816.09

ONLINE/BUSINESS INCOME

Google AdSense (ad revenue from YouTube): $849.68
Financial Coaching: $50.00
Buy Me a Coffee/Venmo: $413.51
Mediavine (display ads on LivinglikeLeila): $107.99
Affiliates/Sponsors: $2,081.17
Teachable: $115.16

Online/Business Income Total: $3,617.51

EXTRA INCOME

Discover Cashback: $14.17
CITI Custom Cashback: $17.92
Bank of America Cashback: $27.79
Chase Cashback: $194.51
Rakuten: $107.84
Fetch (Amazon Giftcard): $25.00
Google Phone Trade-In: $262.50
IBotta: $37.50

Extra Income Total: $687.23

Total Income: $8,120.83

Net Worth

As of November 30th, my net worth is $22,224.00. Up about 23% compared to last month!!

Total Assets = $58,224.00
Total Liabilities = $36,000
Net Worth = $22,224.00

Roth IRA (VTSAX): $11,166.19 (up 5% compared to last month)
401k: $5,372.54 (up 18.7% compared to last month)
M1 Invest (VTI): $5,964.05 (up 5.2% compared to last month)
Coinbase: $243.83 (down 17.5%% compared to last month)
WeBull: $104.52 (up 18.6% compared to last month)
Fidelity: $143.26 (up 0.9% compared to last month)

Sinking Funds:

  • Emergency Fund = $6,089.64
  • Gifts = $378.17
  • Beauty = $945.40
  • Car/Car maintenance = $1,634.61
  • Travel = $4.10
  • Car insurance = $273.68
  • Project $0 to Profit = $14.23
  • Phone = $0.40
  • House (previously MacBook) = $0.73

Sinking Funds Total = $9,340.96

Credit Score

My VantageScore is at 783 which is a few points higher than last month.

November Goals Update

  • Reach $24K saved for my student loans CHECK
  • Make at least $2K in online/extra income CHECK

December Money Goals

  • Reach $26K saved for my student loans
  • Make at least $2K in online/extra income
  • Max out my 2022 Roth IRA