Crumbs

November is turning out to be a crappy month for mystery shopping work.  I had a small gas station route that I wrapped up on the 1st.  I also had 16 gas station mystery shops.  That provided me a huge reserve of extra gas - I have over 30 gallons stored in the shed - but the pay on these simple shops is just $6, so they don't move the needle.  After that, I've been picking up the crumbs in one or two shop increments.

The months of November and December are unique in the mystery shopping world.  Companies put more effort into scheduling shops earlier in the month because of Thanksgiving and Christmas.  The nice thing about this is that you can usually find decent bonuses on shops early on; the downside is that if you don't scoop up the jobs when offered, the second half of the month is going to be slow.  For example, I don't normally shop McDonald's, as the fee hardly goes over $7.50 in my area.  But this month I already found a shop paying $15, so I took it.  Another walk-in only location that I biked to was paying $10.  In fact, the vast majority of my work the past several days has been restaurant shops.

This week is no different.  Monday I have two restaurants to shop.  Wednesday and Thursday I have one each.  I am attending a conference this weekend and Sunday night I am shopping a hotel in the Orlando area.  On one hand, I hope I find more work.  I like being able to pay down my debts (plus these deadbeat tenants aren't helping things).  On the other hand, I have so many projects around the house that I want to tackle that it isn't so bad if I have some free time in my schedule.

My Frugal Miser - October Income: $7,459

Once again I am reporting two vacancies.  Even though I was told in September that one of those properties is now rented, the tenant has yet to move in.  Rental income was even lower because one of my tenants paid his October rent in November.

Mystery shopping income is net of expenses, including hotel stays.  It is low this month because I received a substantial check on November 1st which was for work I completed in October.  The expenses related to that income are reported here, but the actual income will be in my November report.



October Income

$2,257 Mystery Shopping
$5,188 Rental Income

$14 Other Sources

$7,459 Total Income for October

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. 

My Frugal Miser - October Expenses: $2,824

My auto expenses in October stand out as ridiculously high.  However, I used the S-10 to earn money mystery shopping, so I wasn't aimlessly driving about!  In October I drove thousands of miles.  I also had to make some repairs:  in St. George, UT I replaced several steering components and shocks; in Abilene, TX I replaced the wheels.  

Entertainment:  I spent $320 gambling over the 2 days in Vegas and 4 days in Tunica.  Another way to consider this expense:  all 6 nights I had free hotel rooms as well as free food.  I had to stay and eat somewhere, so my average $53 per day in spending isn't bad.  In addition to gambling, I paid $201 for tickets to the musical Book of Mormon, which we will be attending on the 14th in Tampa.  The $40 balance in this category was for movies and Netflix.

Vacation was the other big category.  During the first week of October we went on a cruise.


October Personal Expenses ($1,258) - $4,024 before Miscellaneous Reimbursement

$1897 Auto ($100 for AAA renewal, $1,130 for service, $667 for fuel)

$1 Bank Fees
$0 Clothing
$561 Entertainment (movies, gambling, alcohol)
$160 Food
$0 Gifts Given

$507 Household/Housing/Home Repair
$159 Health and Dental Insurance
$0 Investment Expenses

$0 Medical/Dental
($2,764) Miscellaneous (income!)
$4 Personal Care

$0 Subscriptions
$0 Taxes

$31 Utilities
$704 Vacation and Recreation

October Business Expenses ($1,566)

$902 Mortgage Interest (rental properties)
$243 Interest on Debt (not including Mortgage Interest)
$421 Rental Properties - Maintenance and Repairs


Total October Expenses : $2,824

Notes

• I don't include principal payments in my expenses, only the interest portion of the monthly mortgage bills.
• I don't drive around aimlessly.  Almost all of my auto expenses were incurred in the course of completing mystery shops. 
• $2,764 Miscellaneous was income this month.  The executor of my grandfather's estate reimbursed my out of pocket expenses, which were incurred in previous months.

The Week Ahead

I thought I would have more time last week to work on my to-do list, but I loaded up on mystery shops and when I was home I was not very motivated to do anything other than watch Netflix.  Three months on the road drained my energy!

So this week I want to check some things off my list.  I am starting today with 12 mystery shops.  I am nervous about the new car shop I am completing this morning.  I am supposed to shop an uber luxury vehicle and my budget is $150,000-$200,000.  There will be some serious role play to pull that off.  In preparation, I trimmed my nails, cut my hair and am wearing a nicer than normal outfit.  I also looked on Google Maps to find a place nearby to park the S-10.  It would not be wise to drive to the dealership in a 2002 pickup.  The nice part about high end mystery shopping is that the pay is higher, and that is the only reason I agreed to do this shop.  The other 11 shops I am doing today are easy gas station mystery shops that take 10 minutes each.

After today I only have 7 gas stations and a takeout pizza shop scheduled.  I am sure there will be more that comes up, so I am not worried.  A light workweek leaves time for everything else.  On Wednesday I have to have a root canal retreated.  It's been a couple of years since my root canal, but when I had my teeth cleaned in September the dentist noticed a problem that has to be corrected.  I also want to replace my brake pads.  I have never done that but my brother says it is easy to I'll be learning via Youtube.

The rest of my week will be filled with boring but necessary tasks.  Things like paying bills and figuring out whether I can live without Quicken:  I do most of my work on a Chromebook, but Quicken has to run on a PC or Mac.  My PC is on its last legs.