Here be all my finances for October, 2017.

I spent the entire month on the island of Gran Canaria, mostly in the capital city of Las Palmas.

Summary

Total Income € 3,544
$ 4,124
Total Expenses € 2,445
$ 2,845
Profit/Loss € 1,099
$ 1,279

Income

October 2017 income chart

3M1K 1 € 1,571 $ 1,828
Freelance web development 2 € 1,185 $ 1,379
Authority Hacker Pro affiliate payment 3 € 514 $ 598
Coaching / Consulting 4 € 172 $ 200
Waternet NL 5 € 31 $ 36
Book sales (via Amazon) 6 € 20 $ 23
Cheap Flight Checklist 7 € 16 $ 18
Bitcoin donation 8 € 11 $ 13
Patreon 9 € 11 $ 13
The Rabble-Rouser’s Guide To Travel 10 € 9 $ 10
Book sales (via ebizfacts.com) 11 € 4 $ 5
Total Income € 3,544
$ 4,124
Last Month € 2,089 $ 2,469

Bounced back nicely from my lowest income month of the year.

I predicted no more than $3000 income in October, but 3M1K did pretty good, that unexpected affiliate payment came through, and the coaching gig fell into my lap.

Expenses

October 2017 expenses chart

Food & Drink

Eating out € 160 $ 186
Groceries € 251 $ 292
12 Total
411
$ 478
Last Month € 394 $ 466

Housing & Utilities

5 Nights at Taghazout, Morocco apartment 13 € 103 $ 120
Cleaner 14 € 35 $ 41
Total € 138
$ 161
Last Month € 700 $ 827

Health Care

IMG Global Health Insurance 15
€ 0 $ 0
Total € 0
$ 0
Last Month € 0 $ 0

Travel & Transport

3-day car rental in Gran Canaria 16 € 153 $ 178
Flight: Cork (ORK) to London (STN) 17 € 100 $ 116
Flight: Las Palmas (LPA) to Cork (ORK) 18 € 85 $ 99
Fuel for Gran Canaria rental car € 66 $ 77
Flight: London (STN) to Las Palmas (LPA) 19 € 65 $ 76
Flight: Agadir (AGA) to El Aaiún (EUN) 20 € 47 $ 55
Flight: Las Palmas (LPA) to Barcelona (BCN) 21 € 46 $ 54
Flight: Barcelona (BCN) to Nice (NCE) 22 € 46 $ 54
Flight: El Aaiún (EUN) to Las Palmas (LPA) 23 € 35 $ 41
Train: Nice to Marseille 24 € 34 $ 40
Flight: Marseille (MRS) to Marrakesh (MRK) 25 € 27 $ 31
Parking for rental car in Gran Canaria € 13 $ 15
Taxis in Las Palmas € 7 $ 8
Total € 724
$ 843
Last Month € 944 $ 1,116

Business Expenses

Outsourcing 26 € 468 $ 544
Mental Mastery 27 € 255 $ 297
PayPal fees 28 € 65 $ 76
3M1K affiliate payment 29 € 42 $ 49
Chatroll 30 € 16 $ 19
Phone credit 31 € 12 $ 13
Facebook ads 32 € 10 $ 12
Virtual Post Mail 33 € 9 $ 10
Buffer 34 € 9 $ 10
Gumroad fees € 5 $ 6
Amazon Web Services (storage) 35 € 3 $ 3
ActiveCampaign mailing list software36 € 0 $ 0
Dreamhost 37 € 0 $ 0
Elegant Themes subscription 38 € 0 $ 0
Google Drive storage (1TB) 39 € 0 $ 0
MemberMouse 40 € 0 $ 0
Teamwork project management software 41 € 0 $ 0
Total € 893
$ 1,039
Last Month € 1,085 $ 1,283

Gifts & Donations

Flowers 42 € 21 $ 24
Comedy benefit show for Puerto Rico 43 € 10 $ 12
Monthly Love & Courage podcast donation 44 € 5 $ 6
Waking Up podcast donation 45 € 4 $ 5
Total € 40
$ 47
Last Month € 35 $ 41

Books 46

Sapiens 47 **** € 1 $ 1
The Art of Fully Living 48 € 0 $ 0
Smart DIY Investor 49 € 0 $ 0
Total € 1
$ 1
Last Month € 11 $ 13

Clothing

Navy dress shorts € 35 $ 41
Light blue dress shorts € 25 $ 29
Black sports shorts € 22 $ 26
Brown dress shorts € 18 $ 21
Light brown t-shirt € 6 $ 7
Green t-shirt € 6 $ 7
Total € 112
$ 130
Last Month € 0 $ 0

Miscellaneous Expenses

Stock market loss (BTSC) 50 € 66 $ 77
Acroyoga class (x2) 51 € 24 $ 28
Toiletries € 14 $ 16
Netflix subscription € 10 $ 12
Electric mosquito repellent 52 € 5 $ 6
Grocery delivery € 4 $ 4
Patreon fees 53 € 2 $ 2
Monthly banking fee (Dutch bank) € 1 $ 2
Total € 126
$ 147
Last Month € 50 $ 59

Expense Summary

Business Expenses € 893 $ 1,039
Travel & Transport € 724 $ 843
Food & Drink € 411 $ 478
Housing & Utilities € 138 $ 161
Miscellaneous Expenses € 126 $ 147
Clothing € 112 $ 130
Gifts & Donations € 40 $ 47
Books € 1 $ 1
Health Care € 0 $ 0
Total Expenses € 2,445
$ 2,845
Last Month € 3,220 $ 3,805

I was aiming to keep everything under €2000 for the month, so I was overly optimistic by €445. Buying that Mental Mastery course was the biggest unforseen expense.

Biggest Regret?

I paid €51 per day for a rental car in October, which was strange because in September I paid only about half that price for renting the same type of car from the same company.

The regret is that I didn’t question the guy at the front desk more about the increase. I was tired and there was a language barrier so I just said to hell with it and agreed to pay whatever. That lazy move cost me €75, and annoyed me for the rest of the day.

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
Total € 691 $ 935

Where That Leaves Me

I had €9,316/$11,007 to my name at the end of September.

Taking into account all my October 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 €10,719/$12,474. 54

Outlook For November

I have $800+ due from freelance projects, and beyond that, it’s an adventure,

As usual, I’m not sure what to expect with 3M1K. Could bring in $500, could bring in $5000. Hard to predict.

I’ll take a guess of $2500 for income and see what happens.

As for expenses, I have a bit of travel coming up (France and Morocco), and a rent payment for Gran Canaria. Other than that, nothing major expected.

I’ll aim to keep everything under €2000 again.

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.