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December 2019 Finance Report

Everything I earned and spent in Bali and Kuala Lumpur

Below you’ll find all my finance details for December 2019.

I was in Kuala Lumpur for a few nights mid-month, but other than that stayed put it Bali, mostly in Ubud.

💵 Summary

December 2019 finance graph

Total Income € 2,500 $ 2,801
Total Expenses € 2,610 $ 2,923
Profit/Loss € 109 $ 122

🤑 Income

December 2019 income graph

Affiliate income (see below) € 2,351 $ 2,633
Patreon 1 € 127 $ 143
Book sales (via Amazon) € 22 $ 25
Total Income € 2,500
$ 2,801
Previous Month € 4,007 $ 4,415

I was expecting $4000 for income, but some affiliate payments were delayed. That sets me up for a nice January though.

👍 Affiliate Income

Affiliate payments in December came from…

Affiliate Related Content
Amazon n/a
Authority Hacker Authority Hacker Review
ConvertKit ConvertKit Pricing vs. Popular Alternatives
Income School Income School Project 24 Review
Respondent Respondent Review
SafetyWing Digital Nomad Travel Insurance
Survey Junkie Survey Junkie Review

Here’s a progress chart for affiliate income since starting eBiz Facts…

eBiz Facts affiliate income progress

💸 Expenses

December 2019 expenses graph

🍽 Food & Drink

Eating out € 428 $ 480
Groceries € 197 $ 221
Total € 625
$ 700
Previous Month € 635 $ 700

🏡 Housing & Utilities

1 month at Ubud villa € 375 $ 420
1 night at Canggu guesthouse € 17 $ 19
Total € 392
$ 439
Previous Month € 660 $ 727

💪 Health Care

Doctor visits € 121 $ 136
Massages (x3) € 38 $ 42
SafetyWing travel insurance 2 € 33 $ 37
Total € 192
$ 215
Previous Month € 170 $ 187

🛫 Travel & Transport

Indonesia social visa (including agency fee) € 152 $ 170
1 month scooter rental in Ubud, Bali € 84 $ 94
Taxis in Kuala Lumpur € 44 $ 50
Taxis in Bali € 26 $ 29
Checked bag at airport € 17 $ 19
Scooter fuel € 6 $ 7
Passport photos € 4 $ 4
Parking € 1 $ 1
Total € 333
$ 373
Previous Month € 161 $ 178

💻 Business Expenses

Outsourcing 3 € 451 $ 505
PayPal fees € 100 $ 111
Elementor Pro 4 € 33 $ 37
Pigeon 5 € 26 $ 29
Ahrefs subscription 6 € 24 $ 27
Phone credit (Bali) € 22 $ 25
Patreon fees 7 € 17 $ 19
Phone credit (Kuala Lumpur) € 16 $ 17
Zoom 8 € 13 $ 15
ExpressVPN € 12 $ 13
Kinsta web hosting 9 € 12 $ 13
YouTube Premium 10 € 11 $ 12
Google Drive storage (1TB) 11 € 9 $ 10
Virtual Post Mail 12 € 9 $ 10
Copycall 13 € 5 $ 6
Amazon Web Services (storage) 14 € 4 $ 5
Respondent fees € 3 $ 3
Upwork fees € 1 $ 2
Dreamhost web hosting 15 € 0 $ 0
Sendy 16 € 0 $ 0
SocialBee 17 € 0 $ 0
Teamwork project management software 18 € 0 $ 0
Total € 768 $ 860
Previous Month € 779 $ 858

🎁 Gifts & Donations

Effective Altruism Fund 19 € 54 $ 61
Christmas gifts € 30 $ 34
Monthly Love & Courage podcast donation 20 € 5 $ 6
Flowers € 4 $ 5
SamHarris.org subscription 21 € 4 $ 4
Patreon: The Blindboy Podcast 22 € 3 $ 3
Patreon: Úna-Minh Kavanagh € 3 $ 3
Total € 103
$ 115
Previous Month € 36 $ 40

📚 Books 23

Anseo ***** € 8 $ 9
Atomic Habits 24 € 0 $ 0
Total € 8
$ 9
Previous Month € 31 $ 34

👕 Clothing

Adidas runners € 83 $ 93
Total € 83
$ 93
Previous Month € 57 $ 63

🤷‍♂️ Miscellaneous Expenses

Toiletries € 28 $ 31
Laundry € 22 $ 24
Netflix subscription € 11 $ 12
Cinema: Last Christmas (x2) € 9 $ 10
Currency exchange fee € 9 $ 10
Monthly banking fee (Hong Kong bank) 25 € 8 $ 9
Disney+ subscription € 6 $ 7
Kitchen supplies € 5 $ 6
Mosquito repellent € 4 $ 5
Monthly banking fee (Dutch bank) € 2 $ 2
Batteries € 1 $ 1
Stationary € 1 $ 1
Total € 105
$ 118
Previous Month € 84 $ 93

💸 Expense Summary

Business Expenses € 768 $ 860
Food & Drink € 625 $ 700
Housing & Utilities € 392 $ 439
Travel & Transport € 333 $ 373
Health Care € 192 $ 215
Miscellaneous Expenses € 105 $ 118
Gifts & Donations € 103 $ 115
Clothing € 83 $ 93
Books € 8 $ 9
Total Expenses € 2,610
$ 2,923
Previous Month € 2,614 $ 2,880

I was expecting to spend about €3000 for the month, so happy enough with how it shook out.

😢 Biggest Regret?

Nothing major. The last two months I’ve been spending a lot on food and drink, but the convenience factor makes it worth it. Saves me a lot of time and energy.

Overall I felt my money was well spent in December.

🗓 2019 In Review

Here’s how I did for the year in terms of profit and loss:

January € 653 $ 747
February € 529 $ 601
March € 242 $ 272
April € 240 $ 269
May € 171 $ 196
June € 1,906 $ 2,163
July € 45 $ 50
August € 173 $ 190
September € 2,940 $ 3,215
October € 1,273 $ 1,424
November € 1,393 $ 1,535
December € 109 $ 122
Total € 3,840 $ 4,266

Pretty content with that overall.

It was a year of transition so I was expecting to spend more than I earned as I invested in getting eBiz Facts off the ground. At the end of the year, I’m right where I was aiming to be.

📊 Where That Leaves Me

I had €11,778 / $12,975 to my name at the end of November.

Taking into account all my December income and expenditure, and the most recent exchange rates – I have accounts in EUR, HKD and USD – my total bank and cash balances now work out to  €11,697 / $13,102. 26

🔮 Outlook For January

If all the expected affiliate payments come through, I’ll be right around the $5000 mark, which would be my best month yet. That will make up the majority of my income.

As for expenses, I’ll be buying flights to Europe, renewing some subscriptions, spending a bit more than usual on outsourcing, and might pick up another course to review. If I can keep everything below €3000, I’ll be happy enough.

📲 How I Track All This

Curious as to how I track everything I earn and spend? Check this video…

💬 Feedback Welcome

Thoughts? Questions? Speak up in the comments below.

🗂 Archived Finance Reports

I’ve been posting these monthly finance reports since January, 2011. You can view all my old reports via this page.

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