Here is a breakdown of my expenses for September.

Rent	$550
Household	$751.71
House Repairs	$750
Utilities	$358
Entertainment	$0
Transportation	$173.36
Food	$339.11
Health	$24.56
Student Loan	$0
Phone	$20
Total	$2966.74

September’s expenses were once again quite high. If it were not for a couple of one-time expenses, they would have been under $2000. I’m hoping this month will not have any unusual expenses, and I can finally get our expenses back under $2000.

Entertainment expense was $0. Amazon Prime was free after applying a free gift card to my account. I also have 1 year of Apple TV free from one of my credit cards.

My transportation expense consisted of $173.36 for gas. I used some discounted gas cards or otherwise this total would have been even higher.

Food expense was $339.11. That is divided between $298.03 for groceries and $41.08 for restaurants. That is much better than the previous month. I’m hoping this month we can keep the total under $400.

Travel expense came in at $0.

Utilities came in at $358. Internet was $40 and electric/water was $318. This expense will be much lower this month since we’ve used the A/C much less the last few weeks.

Household expense came in at $751.71. Some of the big expenses were a new freezer, a plumbing repair, and partial payment of my dad’s cremation. The rest was for miscellaneous household stuff.

I spent $20 for phone service. That is the usual monthly amount plus $5 for extra data.

I paid $0 on my student loan. I’ve switched to the RAP plan which apparently starts this month which meant no payment due in August.

I also contributed $750 to my in-laws so they can make some improvements to their house in Thailand.

This month’s expenses should be quite a bit lower. How was your month?

Here is a breakdown of my income for August.

Interest	$89.15
Dividends	$147.34
Bank Bonus	$600
Social Casinos	$593
Cash Back	$21.02
eBay	$172.16
CC Bonus	$300
Sportsbooks	$100
Surveys	$0
Job	$3464.59
Total	$5487.26

August’s income was great.

Dividend income came in at $147.34.

Interest income was $89.15.

I made $172.16 from eBay. Since I was working, I spent much less time on eBay.

I made $21.02 from cash back.

I made $593 from social casinos. One of the social casinos I get daily money from closed in August which will cause this income to decrease unless I can find a good replacement.

I made $0 from surveys.

I made $100 from sportsbooks. I keep thinking the promos are all gone, but then more come along.

I made $3464.59 from my document review job.

I made $300 from a credit card bonus.

I made a total of $600 from three different bank bonuses.

This month’s income should still be good but not as good as August.

How was your month?

Here is a breakdown of my expenses for August.

Rent	$550
Household	$359.69
Utilities	$1097.12
Entertainment	$3.43
Transportation	$419.59
Food	$469.10
Health	$0
Student Loan	$248.79
Phone	$15
Total	$3162.72

August’s expenses were once again quite high. Expenses should get closer to a normal level this month.

Entertainment expense was $3.43. Amazon Prime was almost free after applying a free gift card to my account. I also have 1 year of Apple TV free from one of my credit cards.

My transportation expense consisted of $145.03 for gas and $274.56 for maintenance.

Food expense was $469.10. That is divided between $449.91 for groceries and $19.19 for restaurants. That is too high. We will be a little more thoughtful with our purchases this month and get the total back under $400.

Travel expense came in at $0.

Utilities came in at $1097.12. Internet was $40 and electric/water was $278.51. The big bill was $778.61 prepaying for this winter’s propane. This expense will be much lower this month, although the electric/water will still be high since we’ve had a heat wave/drought the last few weeks.

Household expense came in at $359.69. Some of that was for federal taxes and some was for my dog’s heartworm and flea and tick medicine. The rest was for miscellaneous household stuff.

I spent $15 for phone service. That is the usual monthly amount.

I paid $248.79 on my student loan. I’ve switched to the RAP plan which should save me thousands of dollars over the remainder of the loan period. It will slightly lower my payment for this month.

This month’s expenses should be quite a bit lower. How was your month?

Here is a breakdown of my income for July.

Interest	$115.99
Dividends	$0
Gas Tax Refund	$46.75
Social Casinos	$671
Cash Back	$28.15
eBay	$177.26
Class Action	$5
Sportsbooks	$293.04
Surveys	$34.80
Job	$1930.30
Total	$3302.29

June’s income was good. I was able to get a new document review job which helped a lot.

Dividend income came in at $0. None of the stocks in my taxable accounts paid a dividend in July. I’m buying some more stocks and some of them pay monthly dividends so I should have at least some dividend income every month now.

Interest income was $115.99.

I made $177.26 from eBay. Since I was working, I spent much less time on eBay.

I made $28.15 from cash back.

I made $671 from social casinos. One of the social casinos I get daily money from is closing so this amount will probably be down a little this month.

I made $34.80 from surveys.

I made $293.04 from sportsbooks. I keep thinking the promos are all gone, but then more come along.

I made $1930.30 from document review jobs. I started with a new document review company, but their first project only lasted 2 1/2 days. I then got an offer from my old employer that I hadn’t worked for since 2022. I’m now working for the old employer, and it looks like they have steady work for a little while at least.

I made $5 from a class action and $46.75 from a gas tax refund.

This month’s income should be even better since I will likely have work for the entire month, and I have some bank bonuses coming payable this month.

How was your month?

Here is a breakdown of my expenses for July.

Rent	$550
Household	$176.20
Utilities	$246.17
Entertainment	$0
Transportation	$869.97
Food	$376.96
Health	$51.63
Student Loan	$248.79
Phone	$218.86
Total	$2738.58

July’s expenses were a little high due to paying some annual and semi-annual expenses and paying off my car tires. Expenses should get closer to a normal level this month. I do have to prepay for the propane we use for heating this month so expenses will still be a little higher than I’d like.

Entertainment expense was $0. Amazon Prime was free after applying a free gift card to my account. I also have 1 year of Apple TV free from one of my credit cards.

My transportation expense consisted of $54.97 for gas, $215 for six months insurance on my car, and $600 for maintenance. The maintenance expense was for the remaining balance on four new tires I purchased in May.

Food expense was $376.96. That is divided between $314.88 for groceries and $62.08 for restaurants. Any month under $400 is a good month. This month should be about the same.

Travel expense came in at $0.

Utilities came in at $236.17. Internet was $40 and electric/water was $161.17. Three months of trash service cost $45. I was surprised the electric bill wasn’t higher. The big bill from A/C usage will probably hit this month.

Household expense came in at $176.20. This was mostly for miscellaneous household stuff. I also made a couple of payments on my dad’s prepaid cremation plan.

I spent $218.86 for phone service. That was the usual monthly amount of $20 for my wife’s phone plus the annual payment for my phone.

The $51.63 spent on health for a doctor visit and one OTC medication.

I paid $248.79 on my student loan. The loan had been paused since 2020, but they resumed requiring payments again last month. I’m considering switching to the RAP repayment plan. It would save me a lot of money based on my current finances. However, the student aid website isn’t currently giving me credit for the years of payments I’ve made through IBR even though everything I’ve read states that they should count towards the RAP forgiveness timeline. If I don’t properly receive credit for my IBR payments, I’d be paying for 30 more years rather than 8 more years which would make the RAP plan much more expensive. For now, I’m waiting for them to update the website before I decide to switch.

This month’s expenses should be a little lower. How was your month?