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Today's Focus

Current Goals:

1) $1,000/mo. to short-term savings and $400/mo to investments.
2) Weigh less than 180 pounds by 12/31/21.
3) Read more books.

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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Sunday, September 5

My Frugal Miser - August 2021 Expenses


My expenses for the month of August were reasonable.
  • I drove to Jacksonville to work a meeting, so gas expenses were high.  I received a reimbursement for travel expenses which will show up in the "reimbursed job expense" numbers.  While in Jacksonville my car battery died and I had to replace it.
  • Food was expensive.  We went on a weeklong vacation in Hawaii.  We were carless the first 3 days which limited our options on an already expensive island.  Our breakfast alone one day was $90.  Fortunately we found less expensive options after that, but it was still pricey! 
  • Our 15 month old Maytag washing machine stopped working.  I had to pay $276 for the repair.  Since I was under the impression Maytag was a high quality brand, I may contact Whirlpool (had no idea they owned the Maytag name!) to see about reimbursement.  There was only a 12 month warranty but we shall see.
  • I had to buy some new work clothes since my pre-pandemic outfits are too big.
  • Each month I allocate funds toward future home improvements.  This expense takes the place of rent or a mortgage since I own the house outright.  I allocated twice as much in August as I intend to.

Fun

We love adventures.  Spending on experiences makes us better humans.  
  • Hawaii makes up the bulk of our spending on fun.  Since the hotel and rental car were prepaid, expenses last month weren't too bad.
  • I made a payment towards a future cruise to take advantage of a cashback option on one of my credit cards.
  • While in Hawaii I bought a one year National Park pass for $80.  I hope to incorporate more national parks into our future vacations.

August Expenses:  $4,954

$500 Auto (service, gas, insurance, AAA, etc.)
$85 Bank Fees (annual fee on Marriott card)
$125 Clothing/ Personal Care
$488 Fun (vacations, movies, gambling, alcohol, concert tickets)
$1,071 Food
$73 Health and Dental
$2,444 Household/Home Repairs
$0 Unreimbursed Job Expense
($265) Reimbursed Job Expense income this month
$0 Interest Expense
$65 Miscellaneous
$218 Taxes
$149 Utilities 

Thursday, September 2

My Frugal Miser - August 2021 Income

August continues the trend of income exceeding expenses, although my income was lower than it has been in other months. 

The Airbnb was vacant 7 days, 5 of which I blocked because we were traveling.

Rental income was solid.  The tenant at the condo did not make an August rent payment.  I received two dividends in my taxable account at Realty Mogul.  I also received two payouts from Realty Mogul to my Self-Directed IRA.  I don't report retirement account activity in my income.

I worked two meetings in August which will be paid out in September.

August Income: $9,324

$0 Mystery Shopping/ Merchandising
$961 Meeting Jobs
$0 Gig Apps (Rideshare, Food Deliveries, etc.)
$720 Amazon Deliveries
$3,582 Rental Income (Rental Expenses:  $428)
$3,283 Airbnb Income (Airbnb Expenses:  $1,232)
$11 Interest Income
$767 Other Sources

Investment Accounts Change in Value:  ($5,346)

Investment accounts were down a bit last month.  I have a short (bet against) position on AMC, which gained about 30% in August.  It defies logic, so I defiantly hold onto my short because eventually the stock will come crashing down.