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Hello and Happy November! I’m literally writing this with less than a week left of November, but hey better late than never!

It’s been a busy month and I never got around to this post, but I always want to make sure I write these updates!

General $ Updates

I finished my DOI Scholarship/Giveaway savings

One person will be receiving $1,000 from me in December!! Winner will be announced in my Transfer Tuesday video on December 5th!

My student loans dropped from my credit

I completely paid off my student loans in August, and those finally dropped from my credit in October. My score didn’t drop at all!

Spending

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

2024 Roth IRA SF: 👏🏻 I’m so proud of this progress!! This is all in my HYSA so I can max out my Roth IRA for 2024 asap.

Household: We ended up buying quite a bit of furniture for our home, but I had over $6K saved for furniture so I was able to pull from that sinking fund! I was going to wait until 2024 to buy stuff, but decided I wanted to buy some things now.

Personal: Stickers for my laptop lol

Fun/Entertainment: I bought 3 movie tickets to see Spirited Away!

Income

Full-time job (consultant) – GROSS: $5,880

ONLINE/BUSINESS INCOME

Buy Me a Coffee/Venmo: $22.35
Teachable: $41.65
Etsy: $137.48
Mediavine (display ads on LivinglikeLeila): $268.81
Coaching: $537.20
Google AdSense (ad revenue from YouTube): $1,290.88
Affiliates/Sponsors: $1,386.16

Online/Business Income Total: $3,684.53

EXTRA INCOME

CITI Cashback: $14.36
BOA Cashback: $27.57
FB Marketplace – Chair: $40.00
Discover Cashback: $50.89
Regions Checking Bonus: $400.00

Extra Income Total: $532.82

*Total Gross Income: $10,097.35

*I decided to start putting my gross income from all sources. This number does not reflect my taxes or 401k contributions.

Net Worth

As of October 31st, my net worth is $71,663.81. Up about 2.8% compared to last month.

*Total Assets = $71,663.81
Total Liabilities = $0
Net Worth = $71,663.81

*Does not include the value of my car (personal preference).

Roth IRA (VTSAX): $21,422.55 (down 2.9% compared to last month)
401k: $14,617.28 (up 4% compared to last month)
M1 Invest (VTI): $6,142.12 (down 2.6% compared to last month)
Vanguard Brokerage (VGT): $915.27 (up 10.6% compared to last month)
Coinbase: $475.35 (up 27.5% compared to last month)

Sinking Funds:

  • Emergency Fund = $12,182.26
  • Gifts = $458.41
  • Beauty = $150.98
  • Car/Car maintenance = $2,727.70
  • Travel = $4.26
  • Car insurance = $507.11
  • Sabbatical = $14.82
  • Furniture/Home = $4,045.98
  • House Down Payment = $102.31
  • DOI Scholarship = $1,004.22

Sinking Funds Total = $26,463.76

Credit Score

My VantageScore is at 805 which is a few points higher than last month.

October Goals Update

  • Put at least $2K to Roth IRA savings ✅
  • Finish DOI Scholarship/Grant Sinking Fund (this is for a giveaway!) ✅

November Money Goals

  • Finish 2024 Roth IRA Savings
  • Put at least $500 to Sabbatical sinking fund