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Wednesday, August 15, 2018
September 1 Debt Check In

My gosh it’s September already.  Do you realize that 3/4 of the year is already gone?  I feel like it was just yesterday that I was talking about the crazy snow storms in New York and here we are about to go into fall again.  Wow!  I guess what I’ve heard about time seeming to go by faster the older you get holds true.  It certainly seems that way for me now.

It’s been yet another month of fighting the good fight against debt.  Some months are better than others and this is no different. Before I get into everything that happened in August, let me share the numbers with you in the pretty little graphs below.

september debt - Blogging income in the month of September
september debt - Blogging income in the month of September


As you can see, August was absolutely the worst month yet of my debt reduction journey. Blogging income in the month of September I completely reversed course and added $1,021.23 to my debt.  That’s so not good.  I’m not good at making excuses, so I won’t even try to.  What I will say is that I’ve been renovating the rental home myself and spending quite a bit of money to do so.  It’s something that absolutely had to be done. Quite honestly I had expected the increase to be much higher than that but I’ve tried my best to keep costs as low as humanly possible.  Before and after photos are coming soon.  Alright, here’s a sneak peak to the right.

I just completed the renovations two days ago and signed the property over to a management company.  The home now has to be inspected by the city and a certificate of occupancy issued.  Once that’s all clear the management company should be able to find a renter relatively quickly since the home is pretty decent looking, if I’m allowed to toot my own horn.  Sorry for the darkness in the photo.  It was pretty late at night when I took the photo.  Actually it was almost three o’clock in the morning.  I have to fix the time on that camera.

But that’s not really what pushed me over my budget.  What absolutely creamed me was an unexpected expense with my car.  I took my car into the dealer for something that should have been $200.  Five days, a rental car and $1,500 later  I picked my car back up from the dealer.  It turned out that in addition to the problem that I knew about was a breakage and leakage in something connecting to my brakes.  I was actually lucky that I took it in when I did because I could have been driving and my brakes could possibly have failed on me.  It wouldn’t have been fun, I’m sure.  So, I paid it…with my credit card.

Some of you are really here just to see how much I managed to make while blogging in August.  Let’s get right to those numbers.

Blogging Income

Google: $110.57
Adbrite: $1.05
Bidvertiser: $0
Sponsored Tweets: $0.76
Commission Junction: $0
Private Ads: $719.32
Total: $831.70

My goal is to make $1,000 every month from the blog.  I didn’t make it this month for a couple of reasons.  I actually turned down a few ads because I either did not agree with the product or because, quite frankly, the amount offered was quite low.  The question for me at this point with the blog is this: do I accept everything that comes my way simply to make the money or do I continue to do as I have and pass on some things?  That’s something that I should struggle with but I sincerely don’t.  You can tell me how you feel about that in the comments.

You’ll notice quite a bit of zeros up there.  That’s because I removed everything except Google and private ads.  It’s hard devoting as much time as I do to this blog and literally seeing $0.02 or $0.10 at the end of the month as earnings.  At that rate I would be better off devoting my efforts to couch fishing.  I’m sure that I’d earn more just pushing my hands into my mom’s couch every month.

I changed direction with Commission Junction.  I removed all of their visual ads from the right sidebar.  You’ll see a lot less clutter over there in the coming months.  What I will do instead is link to specific items that I would like to promote on an individual basis.  I don’t want to bombard you with ads because you don’t deserve it.

The problem with my earnings is that I am not actually getting the money!  Out of my earnings for the month I took home $100.  Not good.  I’m looking for health coverage for my boyfriend and plan on getting him onto something within the next month.  Having no health coverage is completely unsustainable and extremely expensive…especially if I’m the one paying for it.  I’m not a happy camper about that.

Alright, enough bitching.  I really need to have this apartment rented so that I can add back the extra few hundred dollars in rental income every month and I need to stop hemorrhaging the money that I earn from the blog.  I don’t have much time until December to end the year on a positive note.  I can’t end the year worse off than I began it.

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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.

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First Gen American September 6, 2011 at 9:20 am

The apartment looks great. What a long way you’ve come in a few months. I hope the horror stories are behind you and good times are ahead.

    Sandy September 6, 2011 at 1:39 pm

    Thanks Sandy. More photos are coming. I finally get to sleep one weekend.

Jen @ Master the Art of Saving September 6, 2011 at 1:24 pm

At least your other debts are moving in the right direction. Sounds like you’ve been really busy lately. Good luck with renting it out soon. 🙂

Dee September 6, 2011 at 4:28 pm

Congrats on making progress..actually. The expenses for the renovations will be tax deductible I think, and eventually you’ll make some money there! I think that you should stick with only having ads that you agree with – it’ll pay off in the long run. How do you get ‘private ads’? I’d like to do that with my blog. And what do you mean that you’re not getting the money you earned? How about Clickbank? How many hits on average does your blog get daily? I need to supplement my social security income because cost of living is going up! Our debt seems to be going up, despite cutting back everywhere. Best of luck to you!

    Sandy September 6, 2011 at 5:25 pm

    You’re right, they ARE deductible. Thank Gosh for our corporate tax laws. I don’t get the money that I’ve earned because it’s spent before I can get to it by my BF. It’s going to healthcare and uh, let’s see, BULLSHIT, but that’s ending. No more gravy train. I am going to explore Clickbank again because I don’t like much of the products they are on there. I’d prefer to bring you only the things that might interest you.

    And private ads. Well, they find me most of the time, but you can try blogads.com, buysellads.com, media.net and others.

      Dee September 6, 2011 at 9:57 pm

      Thanks Sandy for the ad tips. I hear ya about the gravy train..am trying to put the brakes on our train here going down a steep slope. Perhaps we can set up a place to deposit the income separately. hmmmm.

Money Cone September 6, 2011 at 4:36 pm

Sorry to hear about your car troubles Sandy. Hopefully you’ll get your apartment rented quickly and to a good tenant!

Suba September 6, 2011 at 7:25 pm

The apartment looks great after the photos I saw @ Tenant from hell site last week. Hopefully you’ll get it rented and have that income coming regularly soon.

Financial Samurai September 6, 2011 at 10:23 pm

Good job renovating the place and good luck with the next tenant!

Have you and the BF had “the talk” yet? It seems like you are supporting him a lot. Correct me if I’m wrong. What does he do for a living?

$100+ from Adsense is pretty good! I say you put up whatever advertisement you want that doesn’t encroach on the content.


    Sandy September 6, 2011 at 10:28 pm

    I am the sole breadwinner in a family of me, my BF, his mom and (often) his nephew. He’s supposed to be going to school full-time but it doesn’t look like he’ll be going this semester. The problem is that now he’s comfortable and it’s getting harder to get him off his ass and into a job.

    I’ve been avoiding “the talk” but it’s coming to a major head very soon…and lots of arguments.

20’s Finances September 6, 2011 at 11:12 pm

Good luck with the rental. I always appreciate hearing the struggle that other bloggers have with agreeing to contradictory advertisement. As a new blogger, it is helpful for me to see what the best course of action may be. It definitely is a toss up.

youngandthrifty September 7, 2011 at 4:40 am

I’m sending positive vibes your way to get your rental rented out (to a decent, good tenant).

Wow, I have trouble supporting myself let alone BF, nephew and other people of the family.

What are your BF’s plans since he’s not planning to go to school full time?

I am going to school full time but would feel uncomfortable (myself) having my BF pay for everything/ my share of our mortgage etc. But that’s just me! He said he doesn’t mind, but I don’t know, I still feel uncomfortable.

what do you and BF argue about when you disagree about you being the breadwinner?

Little House September 7, 2011 at 9:40 am

Hopefully you’ll get that apartment rented soon! It looks really good.

Is BF the “one?” Is this the guy you’re going to marry? If not, I’m not so sure he’s helping you achieve your goals. If he is the “one,” you need to talk to him about how your goals are just as important as his. Getting out of debt should be priority number one and he should be on board with you. Right now, he may not feel the same as you because your debt doesn’t affect him since you’re not married. But if you marry, he will technically “inherit” your debt. Might give him something to think about!

Good luck!

Christa September 7, 2011 at 11:50 am

The rental sneak peek looks great! I think you’re doing a great job of paying down your debts. Life happens (often in the form of car trouble!). Once the rental is rented, you’ll be doing awesome.

retirebyforty September 7, 2011 at 12:38 pm

The rental house looks great! Hope you find a good tenant soon. You win some, you lose some. Some month is just difficult to deal with. We lost a lot of money in the stock market last month and hopefully it’ll recover at some point. Your BF needs to contribute a bit. Can he deliver pizza or get some part time job?
new gravatar?

Evan September 12, 2011 at 4:47 pm

Rental property looks good! Is he handy? Could he work for you on another project?

Don’t take too low on your blog for private ads! I have a few of those that every time I see them I get annoyed that I am that much of a sell out lol

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