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November 1 Check In

This post is late.  I know, I know.  You see, something has changed in the past few weeks. I have this JOB thing.

Yeah I’ve been gainfully unemployed for a glorious six full months.  I figured that that was the most that I could take off without killing my career completely.  So, I went on a couple of interviews and turned down a couple of job offers.  I decided to accept a consulting gig that should only last for three months.  I just am not mentally ready to go back to work full-time for someone else.

I’ve been in the office for three weeks now.  Three whole weeks.  It was a serious adjustment.  I came home after the first day wondering how I was going to make it through the next few months.  Seriously though, I can make it through three months…I hope.  Three months.  My client is already hinting at extending. I don’t know that I will.

I attending the Third Annual Financial Blogger Conference.  I don’t typically talk about the behind the scenes of blogging here, but that annual event is like a vitamin booster.  It gets you so motivated to do so many things that you get back home with a list.  Currently my list is collecting dust because the whole work thing is getting in the way. I have to figure out that whole “balance” thing.  Perhaps in a few weeks I can reduce the amount of time that I spend in the office.

The Debt

I’m putting up the numbers and then we will discuss it a little bit below.

November 2013 Debt

November 2013 Debt

Yes we continue the slow roll down hill with the debt.  I decided to make it look a bit pretty this month because the numbers are still pretty ugly.  Every time I start thinking that way I have to remind myself that everything is being paid for.

There was a significant bump in the credit card debt.  That was all due to the conference that I mentioned.  Much of that will be off by the time we revisit the numbers next month.  I actually do budget for that trip all year long, but I just had not transferred the money over before it was time to write this bad boy. It’ll go down, don’t worry.

Good financial news this month!  Finally, all of my apartments have tenants.  I don’t just mean warm bodies, but good tenants. I left one apartment empty for nearly four months.  I have had my share of horrible tenants and I have learned the hard way.  These days I have a pretty thorough screening process that immediately weeds out undesirable tenants.  Now, with that said, my youngest tenant, the one with the horrible credit score who I decided to give a chance to has been a slow payer for the past 3 months.  She decided to prioritize purchasing a car that she could not afford instead of having an apartment to live in.  Now, the car is a money pit and I have put her on a payment plan (plus fees) for arrears.  Its a tough lesson, but one she is finally learning. I’m glad that I asked for a higher security deposit with that one.

Will the rental income go to the debt? Nope. I separate church and state.  The rental income will go to my “replace a house full of windows next year” fund.  It won’t be cheap but it has to get done.  As a landlord I find myself constantly upgrading/replacing/fixing things.  It’s part of the process and I expect that these costs will be front loaded in the earliest years that I own the rental homes. In other words, it’s all good!

Online Income

I made some money online last month.  Time to share just how much.

Google Adsense My Tenant From Hell: $0.97
Google Adsense Shirataki Noodles: $0.04
Google Adsense YIAC: $115.04
Google Adsense Niche Site: $351.63
Private Ads: $616.76
Ad network #1: $97.20
Total: $1,181.64

Not too bad I guess.  I know that I’ve been distracted the past few weeks so I haven’t done my best.  I can do better but not in November.  Work stuff. Getting in the way.

Alright, so what else is going on in November? Not much, really.  I know that I told you that I was working on a free eBook, but its been running so long that I have decided to just write a book.  A book, you say? Yep, a book.  My target is to have it published some time next year.  You can expect the same whit that I have on this blog, because, really, that’s just the way that I am.

Speaking of books, my good friend Amanda Grossman who runs the blog Frugal Confessions, wrote a fantastic new book called the Walgreens Drug Store Game.  Come to think about it, she also wrote about the CVS drug store game.  Don’t know what that is? Well, she talks about how to use the rewards programs and both of these stores to your advantage.  I don’t do book reviews but I plan on doing one some time next week.

Wanna hear a frugal confession? I don’t really do Black Friday shopping these days, except for at CVS.  I rack up at CVS because I exploit their ExtraCare Bucks program for free money and roll that free money along all year.  Amanda showed me the ins and out of that.

Not much else going on here.  Hope to see you guys next month! Stay sane with that Black Friday mess.

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