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Happy November!
October was a high spend month but I still hit my student loan savings goal AND I didn’t do any personal spending.
Here’s the details:
General $ Updates
I booked Travel
My boyfriend and I booked an international trip for Christmas! He paid more than I did and we still (maybe) need to get a car to rent, but we are very excited! Overall, it is quite expensive, but travel/experiences are worth it to me!
Debt
I started the month of October 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 October I saved an additional $908.25 for my student loans (bringing my total saved to $23,152.53) so my final debt for October would be $12,847.47.
I still have paid $0 in interest 😊 I did gain $52.53 in interest through my HYS account.
However, with the Debt Relief plan, I would technically be debt free! And I would have $7,152.53 cash left over.
Spending
Some main things to point out about my spending in October:
Roth IRA: I typically only contribute $300 to my Roth IRA (though I do plan on maxing it out for 2022), but Vanguard pulled my $200 contribution twice and I had already put $100 in earlier in the month. Oh well!
Groceries and Food out: Over budget on both 🤦🏼♀️ Inflation + more frequent visits.
Health/Beauty: I bought a few vitamins that I didn’t realize I needed to re-purchase.
Personal: 0!!
Car Wash: I did get my car wash this month ($15)! I also bought a cabin air filter to replace mine myself.
Travel: As I mentioned above my boyfriend and I decided to book a trip for Christmas!
Phone: I bought the Google Pixel 7. Google did offer me $262 for my Samsung Galaxy S10 which is a pretty solid trade-in value!
Income
Full-time job (analyst/consultant) – Take home: $3,665.42
ONLINE/BUSINESS INCOME
Google AdSense (ad revenue from YouTube): $678.79
Financial Coaching: $50.00
Buy Me a Coffee/Venmo: $350
Mediavine (display ads on LivinglikeLeila): $98.99
Affiliates/Sponsors: $640.32
Teachable: $4.31
Online/Business Income Total: $1,822.41
EXTRA INCOME
Discover Cashback: $39.05
CITI Custom Cashback: $22.56
Wells Fargo Cashback: $35.35
Poshmark: $15.10
Extra Income Total: $112.06
Total Income: $5,599.89
Net Worth
As of October 31st, my net worth is $18,063.46. Up about 13% compared to last month!
Total Assets = $54,063.46
Total Liabilities = $36,000
Net Worth = $18,063.46
Roth IRA (VTSAX): $10,631.31 (up 13.8% compared to last month)
401k: $4,525.14 (up 22.2% compared to last month)
M1 Invest (VTI): $5,670.90 (up 8.1% compared to last month)
Coinbase: $295.46 (up 9.5% compared to last month)
WeBull: $88.15 (up 2.6% compared to last month)
Fidelity: $142.04 (up 2.2% compared to last month)
Sinking Funds:
- Emergency Fund = $6,073.01
- Gifts = $302.24
- Beauty = $857.93
- Car/Car maintenance = $1,530.27
- Travel = $4.08
- Car insurance = $183.06
- Project $0 to Profit = $14.19
- Phone = $0.40
- House (previously MacBook) = $0.73
Sinking Funds Total = $8,965.91
Credit Score
My VantageScore is at 778 which is the same as last month.
October Goals Update
- Reach $23K saved for my student loans CHECK
- Make at least $2K in online/extra income NO
November Money Goals
- Reach $24K saved for my student loans
- Make at least $2K in online/extra income
