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Wednesday, August 15, 2018
    June 1 Debt Check In

    It’s the first of the month and you know what that means!  Time for me to over share more about me than you ever wanted to know.  If you’re following along as I reduce my debt (the whole point of this blog) then you know that this is where I come clean about where I am in my debt reduction efforts.

    Instead of listing out my debt I’ll include the pretty little charts and graphs that we’ve gotten used to.

    The Debt

    june debt
    june chart

    My debt did decrease by $2,134.31 from the previous month which was great, but I used my tax refund money to get there.  I am thinking of changing tactics on the debt reduction next month and just focusing on one credit card to pay while paying the minimum on everything else.  I need to clear the credit card debt before it resets to the default interest rates from 0%.  If I don’t I’ll be screwed.  If it doesn’t zero out in time my hope is to be able to get a loan from Prosper to cover the balance at a rate that will be lower than the default interest rate.  But I’m months away from that so I have some time.  Before I get to how I got to these numbers, let me share my blog income.

    Blog Income

    If you recall, last month I said that I would be trying to make at least $1,000 during the month of May to cover some expenses.  Boy was I wrong about how much I would need.  We’ll talk about that one after I share just how much I actually made.  Remember, I might have earned it, but I might not yet have been paid for you.  Also, PayPal vampires away a percentage of the total as well.

    Google: $78.25
    Adbrite: $3.54
    Bidvertiser: $1.99
    Sponsored Tweets: $16.11
    Commission Junction: $3.75
    Private Ads: $980.98
    Total: $1,100.73

    I know that I keep saying this every single month, but this is the most that I have made in one month from Google.  I would have made more, but I was getting so many clicks on my ads that I actually disabled one ad block mid-month.  It was such an anomaly for that it seemed like something was wrong.  I might add it back for June and then I’ll be repeating the line about “the most” again…hopefully.

    This was also the most that I have made in on one month from Sponsored Tweets.  I didn’t do anything for that one.  People that I have referred over have made money sending out Tweets and I get 10% of their earnings as a referral fee.  If you have a Twitter account and have not signed up for Sponsored Tweets then you should do so now and then share your own referral link so that other people can sign up and you too can be making an extra couple of bucks a month for doing nothing.

    eHow changed the way that they do business and will no longer share revenue with article writers.  Instead they wanted to buy my articles outright for a whopping $6!  You’ll excuse me for passing on this deal of a lifetime.  Instead I can sell each article for at least $25.

    Hello, Mr. Murphy

    Just when you make plans, someone tosses a wrench in your direction.  I was forced to pay the repairman $600 to fix BF’s big expensive 6 year old fridge when it died 3 days after I stocked it with 2 weeks worth of food.  Not only did I have to lay out that cash, but I also had to spend an extra $200 in unplanned money on groceries which I did the non Extreme Couponing way.  Not a happy camper.

    I did give my cousin a wedding gift of $200 as planned, but I had forgotten about two additional weddings taking place this month.  I spent another $200 on that as well.  On top of that, BF is still in school full-time, so part of my blogging income goes to him.   I want to bang my head against the wall because I still have not paid the damn real estate taxes.  I also have to give my mom around $500 which is my annual donation to the “keep-my-mother-happy” fund plus my step-father’s birthday was on the 30th and I still owe him a gift/dinner.  Knowing people is expensive!  It might be time to consider being a hermit.

    And finally, I slipped putting my laptop away and dropped it.  Half of my screen doesn’t work anymore so I am working on the other half of the screen in a teensy little browser box.  I’m going to repair it myself.  I just need to order a new screen.  The most competitive price that I’ve found is a little over $100.

    When You Fail To Plan…

    Alright, I need plans, plan, plans for June.  Frankly, I’m tired.  I need a vacation or something, but I can’t afford it. Sigh.  Okay, plans.  The goal for June is to get credit card #1 down by about $800.  Everything else will default back down to minimum payments.  I also need to push at least $100 back to savings.  That whole fridge thing was not nice.  This is why you should have an emergency fund.

    Oh, and don’t forget that my tenant has until the 15th to get out of my house.  If you want an update on how that’s going, pop over to My Tenant From Hell to hear about our recent phone call.  I probably won’t have an update on my tenant on this blog until the 15th rolls around.  Fun times.

    Lastly, I’ve found a bunch of websites stealing my original content, especially the ones about extreme couponing.  I’m adding some new language at the end of every article and “invisible” text to make up for it.  Bastards.

    How’s your debt reduction going?

     

    This article and more monthly debt updates can be found on the Yes, I Am Cheap blog where Sandy shares her efforts at getting out of debt and all the wacky things that happen along the way.

    This article copyright by YesIAmCheap.com with permissions to appear at that URL only. All rights reserved.

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    This messy little blog was all my doing. I started this blog four years ago as a way of keeping myself accountable to my own debt reduction plans. Now I'm using this blog to help others get out of debt as well. Consider subscribing to get more delicious posts like this at least twice per week.

    17 Comments

    No Debt MBA June 1, 2011 at 9:09 am

    So I’m a new reader to your blog and of course don’t know all the details and families are unique and a sensitive subject. In my family my father or mother would be happy to receive only a card for just about any special occasion so it seems odd to me that you feel obligated to give your mother $500 and that you “owe” your step dad a gift. Now giving may make you really happy and be an important priority for you in which case go for it, but it doesn’t really sound that way. If it isn’t a priority for you could you give a card or small gift instead? Also a $200 (or even $100) wedding gift seems really big to me. Mine might be closer to the $50 mark, but maybe I’m cheap.

    It just seems like you’re working really hard, still have a lot of debt and deserve a break and to keep some of your money! Feel free to tell me I’m all wrong 😉

      Sandy June 1, 2011 at 1:22 pm

      The whole gifting thing in my family is kind of like the tipping thing in others. They expect gifts and I’m the black sheep with not really giving gifts. My mom I give money to frankly to keep her off my back. She gets a disability check but my stepfather hasn’t found (been looking?!) for work since the factory he worked in closed in December. I give what I can but this $500 will buy me a couple of months of peace.

      The $200 gift I honestly didn’t think I should have done but it’s for my mother’s favorite niece and it’s basically what’s “expected”. My brother gave $300. All of my professional cousins gave $200. Honestly, I would have rather skipping the wedding and giving her $50 and calling it a day.

      The others you’re right about. I probably could have gotten away with giving less. Living in NYC throws your perception out of whack. I feel like everything has to be bigger including gift. It’s usually why I don’t go to those things. Hell, I’m not married myself. 🙂

    Little House June 1, 2011 at 12:38 pm

    You’re doing great, Sandy. But I gotta agree with NoDebtMBA, a $200 wedding gift seems extravagant, especially since you’re trying to pay off your debt. Maybe you could cut the additional wedding gift amounts in half and include something more memorable, like a collage of photographs that mean something to the wedding couple. All in all, keep up the great work!

    20 and Engaged June 1, 2011 at 4:22 pm

    Great job Sandy! The debt reduction is looking great!

    Hunter June 1, 2011 at 5:12 pm

    I really admire your transparency Sandy. I’m intrigued by the paid tweets too, just may have to check that out.

      Sandy June 2, 2011 at 1:43 pm

      You should! I put out exactly one article on how to make money from Twitter and it’s been paying off for the past two months.

    Melissa June 1, 2011 at 8:25 pm

    I hate it when Murphy comes to visit! I am right there with you with computer problems. I got a nasty computer virus, and I have had to have it in the shop for 10 days and it will cost $240. Not fun.

      Sandy June 1, 2011 at 10:36 pm

      Wow no way you could try to fix it yourself? I’d rather wipe my computer clean than pay someone to fix it.

    Robert @ The College Investor June 2, 2011 at 2:32 am

    Nice job with the blogging income! That is always so nice to have an extra few bucks for your hard work!

    Cassie June 2, 2011 at 12:48 pm

    Agreed, nice job on the blogging income.

    I’d be pissed right off if someone what stealing my content too. I’ve never heard of invisible text before. Does it just stop people from copying and pasting?

      Sandy June 2, 2011 at 1:33 pm

      No it doesn’t stop people from copying. What the scrappers do is steel things from your RSS feed and have it automatically published. This way text stating that the content belongs to me automatically goes with it and makes it easier for me to have their sites removed from Google or file claims with their host companies to have my content or their sites removed.

    Money Cone June 2, 2011 at 5:22 pm

    On content theft, report them. If it is blogger, Google shuts them down pretty quickly. If not and they have adsense, report them.

    Contact the host otherwise and send a DMCA notice.

    youngandthrifty June 3, 2011 at 2:08 am

    Ughhh sounds like you’ve had a rough month! So many unplanned expenses 🙁 Your boyfriend is very fortunate to have you support him! Has he been working at all part-time while in school?

    $200 wedding gift is pretty reasonable here in Vancouver, especially if it’s for family. Usually you pay for how much the “cost” per head is, and if its family or close/loved ones, it’s much more. So I feel your pain, as I have a wedding to go to in August, and another one in which I have to shell out $1500 for a ticket to Thailand next year!

    Good job on the blogging income! I had a really good May too 🙂 The google adsense income will just continue to increase, and I’m sure you’ll be saying “it’s been my best month” every month 😉

    I was at $75 or so regularly, and now I’m over the threshold each month (which I thought would NEVER happen as I was getting $0.03 a month when I first started).

    Financial Samurai June 7, 2011 at 4:08 am

    Nice progress on your debt reduction! I hate Google’s 3% take. Ugh.

    Thoughts on including your HELOC loan as debt? Is that different from your mortgage loan?

    Sam

      Sandy June 7, 2011 at 12:02 pm

      The HELOC is the mortgage debt that I list. You know you remind me that I don’t have the “small” mortgage that I have on the rental property listed. Do I really have to list that one?!!!! It’s only about 12K but I guess I compartmentalized that since the rent pretty much pays for the entire payment.

    Pam McCormick June 7, 2011 at 10:42 am

    New to your blog,really enjoy your writing.The numbers blew me away.Your feelings of “having” to give anyone anything money-gifts-etc. are yours and yours alone.You teach people how to treat you and you are allowing these expectations/attitudes to force you into slavery.Going “into hermit mode” might not be such a bad idea.I just wanted you to know that myself and I am sure many out here(where ever that may be)do not give our money to others for all these reasons like “it is expected” or “I live in NYC” my mom is on disability/unemployement/ insert excuse here.I would love to send you strength to stand up to these bullies and just say NO ! but alas not a viable solution so just know that I wish the best for you.

      Sandy June 7, 2011 at 12:01 pm

      I know that it might come off as bullying but I guess I cave to cultural expectations, no matter that I’ve grown up here. It’s kind of a peer pressure situation I guess and it’s something that I have to get better at. No matter, no more weddings for the year! No weddings, one potential baby shower of which the gift is already picked out and I am waiting for it to go on sale so that I can use a coupon. 🙂 Just so you know, if I ever get married, I have high “expectations” of gifts from everyone reading this blog. I’ll put a “donate” button up.

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