Here be all my finances for November 2017.
I spent the first three weeks of the month on in Las Palmas de Gran Canaria, then spent 6 days days jumping around the South of France (Nice, Monaco, Marseille), before heading to Morocco for the home stretch.
I’ve been tracking everything I earn and spend since January 2011, just a few weeks after quitting my day job. Every month since, I’ve published one of these finance reports.
Sharing this info publicly keeps me accountable and hopefully gives you some insight into how I earn a living online.
Patrons get to see each new report before anyone else.
Summary
Total Income | € 3,012 | $ 3,505 |
Total Expenses | € 2,403 | $ 2,796 |
Profit/Loss | € 609 | $ 709 |
Income
3M1K 1 | € 1,781 | $ 2,072 |
Freelance web development 2 | € 724 | $ 843 |
Authority Hacker Pro affiliate payment 3 | € 206 | $ 240 |
Coaching / Consulting 4 | € 172 | $ 200 |
Google Adsense 5 | € 73 | $ 85 |
Coinbase bonuses 6 | € 17 | $ 20 |
Book sales (via Amazon) 7 | € 16 | $ 19 |
Cheap Flight Checklist 8 | € 12 | $ 14 |
Patreon 9 | € 11 | $ 13 |
Total Income | € 3,012 | $ 3,505 |
Last Month | € 3,544 | $ 4,124 |
I predicted $2500 income in November and managed to pull in $1k more than that, mostly thanks to 3M1K.
Expenses
Food & Drink
Groceries | € 187 | $ 218 |
Eating out | € 183 | $ 213 |
10 Total | € 370 | $ 431 |
Last Month | € 411 | $ 478 |
Housing & Utilities
26 nights at shared apartment in Las Palmas 11 | € 530 | $ 617 |
4 nights at Marseille apartment 12 | € 200 | $ 233 |
3 nights at Madrid apartment 13 | € 161 | $ 187 |
2 nights at Dar Daoud Marrakesh 14 | € 81 | $ 94 |
Cleaner 15 | € 30 | $ 35 |
Total | € 1,002 | $ 1,166 |
Last Month | € 138 | $ 161 |
Health Care
IMG Global Health Insurance 16 | € 0 | $ 0 |
Total | € 0 | $ 0 |
Last Month | € 0 | $ 0 |
Travel & Transport
Flight: Las Palmas (LPA) to Madrid (MAD) 17 | € 121 | $ 141 |
Electric bicycles rental in Marseille 18 | € 50 | $ 58 |
Taxis in Gran Canaria | € 32 | $ 37 |
Taxis in Marrakesh | € 23 | $ 27 |
Taxi: Agadir to Taghazout | € 16 | $ 19 |
Bus: Marrakesh to Agadir | € 10 | $ 12 |
Local buses in Nice | € 9 | $ 10 |
Luggage storage in Nice 19 | € 9 | $ 10 |
Train: Marseille to MRS Airport | € 5 | $ 6 |
Local buses in Monaco | € 4 | $ 5 |
Bus: Nice to Monaco | € 2 | $ 2 |
Local bus in Gran Canaria | € 1 | $ 2 |
Total | € 282 | $ 329 |
Last Month | € 724 | $ 843 |
Business Expenses
Outsourcing 20 | € 181 | $ 210 |
1 month coworking in Las Palmas 21 | € 143 | $ 166 |
Facebook ads 22 | € 121 | $ 141 |
3M1K affiliate payment 23 | € 57 | $ 66 |
Phone credit 24 | € 39 | $ 45 |
TransferWise fees 25 | € 26 | $ 30 |
PayPal fees 26 | € 17 | $ 20 |
Chatroll 27 | € 16 | $ 19 |
Virtual Post Mail 28 | € 9 | $ 10 |
Buffer 29 | € 9 | $ 10 |
Moroccan SIM cards x2 30 | € 8 | $ 9 |
Gumroad fees | € 2 | $ 2 |
Amazon Web Services (storage) 31 | € 2 | $ 2 |
ActiveCampaign mailing list software32 | € 0 | $ 0 |
Dreamhost 33 | € 0 | $ 0 |
Elegant Themes subscription 34 | € 0 | $ 0 |
Google Drive storage (1TB) 35 | € 0 | $ 0 |
MemberMouse 36 | € 0 | $ 0 |
Teamwork project management software 37 | € 0 | $ 0 |
Total | € 630 | $ 733 |
Last Month | € 893 | $ 1,039 |
Gifts & Donations
Flowers 38 | € 36 | $ 42 |
Monthly Love & Courage podcast donation 39 | € 5 | $ 6 |
Waking Up podcast donation 40 | € 3 | $ 4 |
Total | € 44 | $ 52 |
Last Month | € 40 | $ 47 |
Books 41
Brave New World 42 *** | € 0 | $ 0 |
The Kind Worth Killing 43 ***** | € 0 | $ 0 |
Your Move 44 | € 0 | $ 0 |
Total | € 0 | $ 0 |
Last Month | € 1 | $ 1 |
Clothing
Total | € 0 | $ 0 |
Last Month | € 112 | $ 130 |
Miscellaneous Expenses
Swim goggles (x2) 45 | € 30 | $ 35 |
Coinbase fees 46 | € 17 | $ 20 |
Netflix subscription | € 10 | $ 12 |
Toiletries | € 8 | $ 9 |
Laundry | € 7 | $ 8 |
Monthly banking fee (Dutch bank) | € 1 | $ 2 |
Patreon fees 47 | € 1 | $ 1 |
Total | € 74 | $ 87 |
Last Month | € 126 | $ 147 |
Expense Summary
Housing & Utilities | € 1,002 | $ 1,166 |
Business Expenses | € 630 | $ 733 |
Food & Drink | € 370 | $ 431 |
Travel & Transport | € 282 | $ 329 |
Miscellaneous Expenses | € 74 | $ 87 |
Gifts & Donations | € 44 | $ 52 |
Books | € 0 | $ 0 |
Clothing | € 0 | $ 0 |
Health Care | € 0 | $ 0 |
Total Expenses | € 2,403 | $ 2,796 |
Last Month | € 2,445 | $ 2,845 |
I was aiming to keep everything under €2000 for the month, so I was overly optimistic by €403. Accommodation expenses were more than anticipated.
Biggest Regret?
Nothing much.
Would have been good to keep the receipt for that first pair of swim goggles so I could have returned them and got my €20 back.
Year To Date
Here’s how I’m doing so far in 2017 in terms of profit and loss:
January | € 668 | $ 720 |
February | € 724 | $ 763 |
March | € 2,704 | $ 2,881 |
April | € 1,023 | $ 1,114 |
May | € 10 | $ 11 |
June | € 1,755 | $ 2,006 |
July | € 166 | $ 196 |
August | € 769 | $ 918 |
Sepetember | € 1,131 | $ 1,337 |
October | € 1,099 | $ 1,279 |
November | € 609 | $ 709 |
Total | € 1,708 | $ 1,988 |
Where That Leaves Me
I had €10,719/$12,474 to my name at the end of October.
Taking into account all my November 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 €10,638/$12,680. 48
Outlook For December
We’re already a week deep into December as I’m putting together this report and I’m off to a fast start-income wise. If 3M1K pulls in the usual average of $2,000 I should get close to the $5k mark for the month.
As for expenses, I’m going to try keep everything under €2,500, which might be pushing it given that I haven’t done any Christmas shopping yet :-/
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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