My Frugal Miser - October 2023 Expenses

 October spending was high.

• I replaced the tires on the Elantra and paid the annual AAA dues.
• While having my teeth cleaned I mentioned a little discomfort in one tooth.  The dentist started a crown, but while waiting for the permanent crown I was in a lot of pain.  Found out I needed a root canal.  Spent nearly $2,000 for the crown and root canal.
• Since I didn't work as much, we spent more on food than we normally do.

Fun

We love adventures.  Spending on experiences makes us better humans.  

• I planned a 3 night getaway to Columbus, OH to take a closer look at a real estate deal.  It was $250 roundtrip for airfare for two.  To keep my partner entertained, I bought concert tickets for one night and tickets to see Mrs. Doubtfire a second night.

October Expenses:  $4,789

$928 Auto (service, gas, insurance, AAA, etc.)

$0 Bank Fees (annual fees on credit cards)
$140 Clothing/ Personal Care
$1,323 Fun (vacations, movies, gambling, alcohol, concert tickets)

$635 Food

$1,989 Health and Dental

$147 Household/Home Repairs

$134 Unreimbursed Job Expense

$880 Reimbursed Job Expense income this month

$0 Interest Expense

$10 Miscellaneous (cat sitter, gifts)

$266 Taxes

$52 Utilities 

My Frugal Miser - October 2023 Income

October was a mixed bag.  I worked two meetings plus one night for a DMC (destination management company), but overall meeting work was slow.  

I received rent from both Alabama rental properties and one distribution from Realty Mogul and Open Door Capital.

Continuing from last month, I'm reporting the interest income from my retirement portfolio.  I receive a little more than $2,000/month from a loan I made to Open Door.  I also am in the process of deploying the other funds in my Self-Directed IRA and plan to report any distributions I receive in the future.

I did three Amazon routes in October.

October Income: $10,978

$4,746 Meeting Jobs
$0 Gig Apps (Rideshare, Food Deliveries, etc.)
$248 Amazon Deliveries

$3,231 Rental Income (Rental Expenses:  $304)
$2,632 Interest Income

$121 Other Sources

Investment Accounts Change in Value:  $4,522

My investments were up slightly in October.

My Frugal Miser - September 2023 Income

September was a terrific month.  After a 6 day cruise, I worked all but one day last month.  Some of that work will be paid in October.

I received rent from both Alabama rental properties and one distribution from Realty Mogul.  Additionally, I have one real estate syndication with Open Door Capital.  The first (small) monthly distribution was made last month.

In the past I haven't reported any of the income generated within my retirement accounts, but I made a new investment that, if successful, will generate substantial monthly income.  I made a substantial loan from my self-directed IRA to Open Door Capital.  I will begin reporting that interest each month.  In September I received both a partial interest payment for August as well as the regular interest payment for September.

I did not do any Amazon routes in September.

September Income: $13,760

$6,648 Meeting Jobs
$0 Gig Apps (Rideshare, Food Deliveries, etc.)
$0 Amazon Deliveries

$3,271 Rental Income (Rental Expenses:  $357)
$3,840 Interest Income (includes $3,763 interest from promissory note in retirement account)

$0 Other Sources

Investment Accounts Change in Value:  ($2,818)

My investments were down slightly in September.

My Frugal Miser - September 2023 Expenses

September spending was high.

• I made a $7,500 quarterly tax payment.  
• I was on the road virtually the entire month.  Since my work clients provide my food, I only spent $32 last month.
• I prepaid $600 towards my T-Mobile Internet (utilities). Discover offered me an extra 4% cashback on any purchase up to $2,000 and as the September 30th deadline approached this was the best way to take advantage of the offer.

Fun

We love adventures.  Spending on experiences makes us better humans.  

• We went on a cruise at the beginning of the month.  I spent more than planned on excursions and gambling.

September Expenses:  $11,478

$39 Auto (service, gas, insurance, AAA, etc.)

$139 Bank Fees (annual fees on credit cards) income this month
$57 Clothing/ Personal Care
$2,303 Fun (vacations, movies, gambling, alcohol, concert tickets)

$32 Food

$68 Health and Dental

$80 Household/Home Repairs

$50 Unreimbursed Job Expense

$347 Reimbursed Job Expense income this month

$0 Interest Expense

$96 Miscellaneous (cat sitter, gifts)

$7,506 Taxes

$762 Utilities