Today's Focus

Current Goal: Automate Savings and Mortgage Paydown

1) Extra $1,100/mo. to mortgage
2) $1,000/mo. to short-term savings
3) $400/mo. to investing

Previous Goal: Eliminate Mortgage on Rental Property
Interest Rate is 5.125%!

January 1, 2019: $59,592
August 11, 2020: PAID!


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Thursday, November 5

My Frugal Miser - October Income: $10,253

October income held steady.  Because I made a couple of annual property tax payments on rental properties, my income was a bit less than my expenses.

I didn't work any meetings or do any mystery shopping or merchandising work.  App-based income, which is mostly deliveries outside of Amazon, was pitiful.  I cut back on working because it was too slow to justify being in my car.  People aren't ordering delivery.  Amazon work was steady, but not great.

The Airbnb turned in an impressive performance.  It was occupied for all but 3 days.  I did lower rates significantly to fill up mid-week days that would have otherwise been empty.  I managed to bring in just over $3,000 from that one property, which has consistently been my best-performing rental property.  

I received rent from all rental properties.  The condo tenant, who is a couple months behind, made two rent payments in October.

October Income: $10,253

$0 Mystery Shopping/ Merchandising
$0 Meeting Jobs
$663 Gig Apps (Rideshare, Food Deliveries, etc.)
$1,003 Amazon Deliveries
$4,046 Rental Income
$3,050 Airbnb Income
$21 Interest Income
$1,469 Other Sources

Investment Accounts Change in Value:  ($1,025)

My investment accounts were down.  Vereit shares declined again last month.  Towards the end of the month I purchased a significant amount of put options on AMC.  With a put option you are betting the price will decline.  It's highly probable the theater company will file for bankruptcy in the coming months and I am optimistic my puts will offset some of the losses I have seen from other investments, specifically Carnival Cruise Lines.

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