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

I spent the whole month in Bali, mostly in Ubud.

💵 Summary

October 2019 finance graph

Total Income € 971 $ 1,086
Total Expenses € 2,244 $ 2,510
Profit/Loss € 1,273 $ 1,424

🤑 Income

October 2019 income

Affiliate income (see below) € 818 $ 915
Patreon 1 € 134 $ 150
Book sales (via Amazon) € 19 $ 21
Total Income € 971
$ 1,086
Previous Month € 333 $ 364

Not a great month for income, but still a decent improvement from my woeful September.

👍 Affiliate Income

Affiliate payments in October came from…

Affiliate Related Content
Aweber AWeber Pricing vs. Popular Alternatives
Income School Project 24 Review
Respondent Respondent Review
SafetyWing Digital Nomad Travel Insurance
Tai Lopez Social Media Marketing Agency Review
Worldpackers Travel Hacker’s Toolkit

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

eBiz Facts affiliate income progress

💸 Expenses

October 2019 expenses

🍽 Food & Drink

Eating out € 357 $ 399
Groceries € 238 $ 266
Total € 595
$ 666
Previous Month € 462 $ 505

🏡 Housing & Utilities

1 month at Ubud villa € 367 $ 411
2 nights at Kuala Lumpur Airbnb (December) € 83 $ 93
Total € 451
$ 504
Previous Month € 452 $ 494

💪 Health Care

SafetyWing travel insurance 2 € 33 $ 37
1-hour massage (x4) € 32 $ 36
Total € 65
$ 73
Previous Month € 53 $ 58

🛫 Travel & Transport

Flights: Bali to Kuala Lumpur round-trip (December) € 182 $ 203
1 month scooter rental in Ubud, Bali € 82 $ 92
Indonesia social visa extension € 52 $ 58
Bali taxi € 32 $ 36
Scooter fuel € 4 $ 4
Parking € 1 $ 1
Total € 352
$ 393
Previous Month € 165 $ 180

💻 Business Expenses

Outsourcing 3 € 265 $ 296
Making Sense of Affiliate Marketing 4 € 176 $ 197
ClickBank University 5 € 42 $ 47
Pigeon 6 € 26 $ 29
Ahrefs subscription 7 € 19 $ 21
Modafinil € 19 $ 21
Patreon fees 8 € 18 $ 20
Dreamhost domain renewals € 14 $ 16
Zoom 9 € 13 $ 15
YouTube Premium 10 € 11 $ 12
Google Drive storage (1TB) 11 € 9 $ 10
Virtual Post Mail 12 € 9 $ 10
Phone credit € 8 $ 9
Copycall 13 € 5 $ 6
Amazon Web Services (storage) 14 € 4 $ 5
PayPal fees € 4 $ 5
Respondent fees € 4 $ 5
Upwork fees € 1 $ 1
Dreamhost web hosting 15 € 0 $ 0
Kinsta web hosting 16 € 0 $ 0
Sendy 17 € 0 $ 0
SocialBee 18 € 0 $ 0
Teamwork project management software 19 € 0 $ 0
Total € 648 $ 725
Previous Month € 2,021 $ 2,210

🎁 Gifts & Donations

Effective Altruism Fund 20 € 9 $ 10
Flowers € 3 $ 4
Monthly Love & Courage podcast donation 21 € 5 $ 6
SamHarris.org subscription 22 € 4 $ 4
Patreon: The Blindboy Podcast 23 € 3 $ 3
Patreon: Úna-Minh Kavanagh € 3 $ 3
Total € 26
$ 29
Previous Month € 28 $ 31

📚 Books 24

Founders At Work ***** € 13 $ 15
What Have You Done *** € 2 $ 2
Total € 15
$ 17
Previous Month € 5 $ 6

👕 Clothing

Total € 0
$ 0
Previous Month € 0 $ 0

🤷‍♂️ Miscellaneous Expenses

Anjuna Deep Open Air: Bali (concert) € 20 $ 23
Laundry € 19 $ 21
Sunscreen € 11 $ 13
Netflix subscription € 11 $ 12
Monthly banking fee (Hong Kong bank) 25 € 8 $ 9
Entry to waterfalls in Bali € 6 $ 7
Quarterly banking fee (Irish bank) € 6 $ 7
Toiletries € 5 $ 6
Kitchen supplies € 2 $ 2
Monthly banking fee (Dutch bank) € 2 $ 2
Total € 92
$ 103
Previous Month € 87 $ 95

💸 Expense Summary

Business Expenses € 648 $ 725
Food & Drink € 595 $ 666
Housing & Utilities € 451 $ 504
Travel & Transport € 352 $ 393
Miscellaneous Expenses € 92 $ 103
Health Care € 65 $ 73
Gifts & Donations € 26 $ 29
Books € 15 $ 17
Clothing € 0 $ 0
Total Expenses € 2,244
$ 2,510
Previous Month € 3,273 $ 3,579

I was expecting to spend less than $2000 for the month, and it was a little bit of everything that pushed me well over that mark.

😢 Biggest Regret?

No one thing in particular I can point to, though in hindsight I was probably eating out a bit too much.

🗓 2019 So Far

Here’s how I’m doing this 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
Total € 5,124 $ 5,679

📊 Where That Leaves Me

I had €11,490 / $12,563 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 €10,168 / $11,376. 26

🔮 Outlook For November

We’re ten days deep into the month as I’m writing this. Affiliate income is looking very good and expenses are relatively low.

If there are no refunds, my affiliate income should be about $2500 by the end of November.

Expenses should be under €2,000. I have a trip to Chiang Mai in November but that’s mostly paid for, and nothing out of the ordinary apart from that.

📲 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.