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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 September 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