Monday, December 4

My Frugal Miser - November Expenses: $3,498


November wasn't a terrible month.  Three large expenses accounted for over $2,000 in spending:  car insurance, medical bills and the annual property tax bill.  I bought a new Chromebook, some Christmas gifts and spent a little during our cruise.  We did very little gambling, but I won just a little, which offset the money we spent on alcohol in the Entertainment category.  There weren't any other unusual expenses last month.

November Expenses:  $3,498

$647 Auto ($60 for gas, $11 for service, $576 for 6 months insurance)
$0 Bank Fees
$113 Clothing
$105 Computer
$21 Entertainment (movies, gambling, alcohol)
$268 Food
$110 Gifts Given
$6 Household/Housing/Home Repair
$0 Homeowner's Insurance (annual payment)
$28 Health and Dental Insurance (prepaid 2017 health insurance premiums in December 2016)
$0 Investment Expense
$65 Interest Expense*
$647 Medical/Dental (income)
$0 Miscellaneous
$0 Personal Care
$0 Subscriptions
$904 Taxes (Property Taxes on my residence)
$52 Sharing Economy Expenses (tolls, car washes, etc.)
$388 Utilities
$144 Vacation

*Interest expense includes student loans and the loan on my car.  As both rates are below 2%, I am completely comfortable paying the interest each month and investing the money that I would otherwise use to pay off these loans.  In November, I paid $46 to E*Trade for "hard to borrow" interest on a short sale of stock. 

Friday, December 1

My Frugal Miser - November Income: $13,502


Almost half my November income was a capital gain on a Sears put option that I sold.  It wasn't a great month for income otherwise because I still have two non-performing rental properties.  I wrapped up a large mystery shopping route.  The bonus for that route will be paid in December, but otherwise my mystery shopping income will fall in December.  Amazon income was way down because we worked a meeting for a week in Dallas, took an 8 day cruise, and I was focused on finishing the BP route.  In December I think Amazon will be a much larger source of my total income.

November Income: $13,502

$2,757 Mystery Shopping and Hospitality Jobs
$0 Uber
$0 Lyft
$0 Postmates
$1,200 Amazon Deliveries
$3,578 Rental Income
$0 Dividends and Interest (Investment Accounts)
$5,926 Realized Gains (Losses) on Investments
$41 Other Sources

Notes:  
  • I don't include transactions in my retirement accounts.  This includes rental income, dividends and capital gains and losses.
  • I include merchandising and hospitality work in the mystery shopping category since the companies that I shop for provide this extra side work.