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November 1 Check In

It’s the first of the month, so it’s time again to see how I’ve done with the debt reduction. After last month’s fiasco with the state emptying my bank accounts, I have kept exactly zero in my accounts and have returned to the ice ages of carrying cash and paying individual bills directly with the debtors or through my good friend, the money order. Hey, it’s not sexy, but it works and I don’t have to worry about having my money pulled from under me. I’ve been cashing my physical paychecks (Lord, it’s been ages since I’ve seen one of these things) at the bank that my employer issues the checks from, and I have a credit card with that bank, so it costs me nothing to cash the checks. On to the numbers!

October 1, 2010
Student Loan #1 $596.57 @2.47%
Credit Card #1 $723.77 @13.99%
Credit Card #2 $0 @14.24%
Credit Card #3 $4,009.94 @0%
HELOC $41,936.12 @3.125%
Student Loan #2 $$37,592.68 @3.3-7.5%
The bed $599.00 @0%
Personal Loan $0
Car Note $0
Total: $85,458.08

November 1, 2010
Student Loan #1 $447.64 @2.47%
Credit Card #1 $532.38 @13.99%
Credit Card #2 $0 @14.24%
Credit Card #3 $4,034.63 @0%
HELOC $41,443.89 @3.125%
Student Loan #2 $37,510.89 @3.3-7.5%
The bed $444 @0%
Personal Loan $0
Car Note $0
Total: $84,413.43

I managed to knock $1,000 off my debt which is awesome!  Not listed here is the amount that I paid for an entirely new pair of glasses plus contact lenses which totaled $460.  It was necessary since I broke my glasses 2 months ago then ended up with an optic ulcer from overusing a pair of contact lenses. I count having to see as an necessary evil.  Student loan #1, The Bed and Credit Card #1 are all in a race to see which one can hit zero first.  I have to pay off the bed by the end of March in order to avoid finance charges which would be charged for the past year.  I can just concentrate on one of them and pay it off within the next month, but I don’t know what I’ll do until pay day.

Let’s see how I did with making some money on the internet.  I’m not going to list eBay here since BF is counting that as his income, but I will say that Christmas is coming so I hope that sales picks up to last year’s levels.

Time to review how much money I’ve made on the internet.

Internet Income in October
Google Adsense $20.76
Sponsored Tweets  $1.59 ($2.23 total for the year)
Commission Junction  $0.35
Cash Crate  $0
eHow   $0.69
Total:          $23.39

This was by far the best performing month for internet income.  In fact, with the exception of a really good month on Cash Crate, this is more than I have made for the entire year combined.  Why?  The move to WordPress this moth allowed me to include advertisements on each article.  This resulted in readers seeing ads that were relevant to each individual post.  It also helped that I had a dramatic increase in traffic.  This month the blog received close to 8,000 page views that I hope to match in November.  Each view is another opportunity for a reader to click on something that might increase my online income.  I have had some requests for advertisements, but I will not approve advertisements for companies that offer pay day loans and the like.

You can see how I’m doing with my debt in real time by clicking the Debt Tracker tab all the way up top in green. Here’s to passing the $85K debt mark and zooming towards $80K.  Yay me.

This post was included in the Carnival of Debt Reduction for November 8.

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15 thoughts on “November 1 Check In

    • Thank you! The Adsense thing is a total one off. The most I’ve made before was something like $1. I’ll take what I can get. I just need a few more months like that to get to the payout level. Google sucks that you can’t get paid at $50, but hey, it is what it is.

  • You made more than I in AdSense. I am at stable $6. 🙂
    Congrats on knocking down 1K. It is an accomplishment. Be careful with the contacts. Those ulcers can be really dangerous. I try not to overuse mine because I heard horror stories about those ulcers.

    • Oh the optic ulcer thing was the worst! My eye was so red, it looked like I popped a blood vessel, and being in the light hurt like acid. It was not nice. Considering that it cost me $70 in doctor copays and another $30 in prescriptions, I should have just gotten the glasses.

      And I’ve never made more than $1 before with AdSense. $6 is a fortune.

    • Every month??!!! Well let’s see. I’ve had the blog since January 2009 so it’s taken me a while to get this far, but no check in sight for some time for me.

    • I changed so that my car insurance and monthly gym memberships are automatically charged to this card. I need to switch to a different card and pay that off every month. Thanks for pointing that out!

  • Congratulations on your debt paydown, great traffic month and record internet income! I bet you’ll see the traffic and income keep going up now that you’re on WordPress, it makes a huge difference for sure.

    • I certainly hope the internet income goes up! I need to pitch every penny possible towards the debt. I KNOW that YOU know what I mean.

  • Congratulations on your debt paydown, great traffic month and record internet income! I bet you’ll see the traffic and income keep going up now that you’re on WordPress, it makes a huge difference for sure.

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