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

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

💵 Summary

September 2019 finance graph

Total Income € 333 $ 364
Total Expenses € 3,273 $ 3,579
Profit/Loss € 2,940 $ 3,215

🤑 Income

September 2019 income chart

Affiliate income (see below) € 176 $ 192
Patreon 1 € 126 $ 138
Book sales (via Amazon) € 31 $ 34
Total Income € 333
$ 364
Previous Month € 2,411 $ 2,650

It was a rough month for income, way down from August.

Two main reasons for that:

  • A $750 affiliate commission I was paid for in August got refunded, and the $750 deducted from my September earnings.2
  • I wasn’t paid another ~$500 in affiliate earnings that was due.3

It wouldn’t have been a great month without those issues, but with them it was fairly awful.

👍 Affiliate Income

Affiliate payments in September came from…

Affiliate Related Content
Amazon Miscellaneous
Respondent Respondent Review
SafetyWing Digital Nomad Travel Insurance
Survey Junkie Survey Junkie review
Worldpackers Travel Hacker’s Toolkit

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

eBiz Facts affiliate income progress

💸 Expenses

September 2019 expenses graph

🍽 Food & Drink

Eating out € 266 $ 291
Groceries € 196 $ 214
Total € 462
$ 505
Previous Month € 485 $ 533

🏡 Housing & Utilities

1 month at Ubud villa € 372 $ 406
1 week at Chiang Mai condo 4 € 80 $ 88
Total € 452
$ 494
Previous Month € 402 $ 442

💪 Health Care

SafetyWing travel insurance 5 € 34 $ 37
1-hour massage (x3) € 19 $ 21
Total € 53
$ 58
Previous Month € 140 $ 154

🛫 Travel & Transport

Indonesia social visa extension € 51 $ 56
1 month scooter rental in Ubud, Bali € 89 $ 97
Bali taxi € 19 $ 21
Scooter fuel € 6 $ 6
Total € 165
$ 180
Previous Month € 360 $ 396

💻 Business Expenses

Kinsta hosting 6 € 549 $ 600
Outsourcing 7 € 473 $ 517
Chase Sapphire Reserve credit card annual fee 8 € 412 $ 450
Project 24 9 € 411 $ 449
Dreamhost domain renewals € 44 $ 48
Pigeon 10 € 26 $ 29
Ahrefs subscription 11 € 18 $ 20
Patreon fees 12 € 17 $ 19
Zoom 13 € 14 $ 15
YouTube Premium 14 € 11 $ 12
Google Drive storage (1TB) 15 € 9 $ 10
Virtual Post Mail 16 € 9 $ 10
TransferWise fees € 7 $ 7
Copycall 17 € 6 $ 7
PayPal fees € 6 $ 7
Amazon Web Services (storage) 18 € 5 $ 5
Respondent fees € 3 $ 3
Upwork fees € 1 $ 1
Dreamhost web hosting 19 € 0 $ 0
Sendy 20 € 0 $ 0
SocialBee 21 € 0 $ 0
Teamwork project management software 22 € 0 $ 0
Total € 2,021 $ 2,210
Previous Month € 727 $ 799

🎁 Gifts & Donations

Effective Altruism Fund 23 € 9 $ 10
Flowers € 5 $ 5
Monthly Love & Courage podcast donation 24 € 5 $ 5
SamHarris.org subscription 25 € 4 $ 4
Patreon: The Blindboy Podcast 26 € 3 $ 3
Patreon: Úna-Minh Kavanagh € 3 $ 3
Total € 28
$ 31
Previous Month € 64 $ 71

📚 Books 27

All Marketers Are Liars € 5 $ 6
Total € 5
$ 6
Previous Month € 10 $ 11

👕 Clothing

Total € 0
$ 0
Previous Month € 0 $ 0

🤷‍♂️ Miscellaneous Expenses

Laundry € 24 $ 27
Entry to waterfalls in Bali € 14 $ 15
Amazon movie rentals (x4) € 12 $ 13
Netflix subscription € 11 $ 12
Toiletries € 11 $ 12
Monthly banking fee (Hong Kong bank) 28 € 8 $ 9
Mosquito repellant € 5 $ 5
Monthly banking fee (Dutch bank) € 2 $ 2
Kitchen supplies € 1 $ 1
Total € 87
$ 95
Previous Month € 59 $ 65

💸 Expense Summary

Business Expenses € 2,021 $ 2,210
Food & Drink € 462 $ 505
Housing & Utilities € 452 $ 494
Travel & Transport € 165 $ 180
Miscellaneous Expenses € 87 $ 95
Health Care € 53 $ 58
Gifts & Donations € 28 $ 31
Books € 5 $ 6
Clothing € 0 $ 0
Total Expenses € 3,273
$ 3,579
Previous Month € 2,238 $ 2,460

I was expecting to spend at least $3,000 for the month, without anticipating the Kinsta expense. Worked out about right.

😢 Biggest Regret?

It’s still early days but the Kinsta hosting hasn’t improved my site speed as much as expected.

I took a few days to make a bunch of other speed improvements and figured I’d see a big difference with everything combined. So far, I haven’t.

🗓 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
Total € 3,851 $ 4,255

📊 Where That Leaves Me

I had €14,210 / $15,617 to my name at the end of August.

Taking into account all my September 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 €11,490 / $12,563. 29

🔮 Outlook For October

Definitely better than September!

Though I doubt I’ll end up in the green.

Affiliate income should be back over $1000 again, assuming due payments come through. Might get close to $2,000 if all the chips fall nicely.

Expenses should be $2,000 or less. I may end up buying another affiliate marketing course or two, but the ones I have in mind aren’t all that pricey

📲 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.