Yay another family income report! I don’t know if I could even start this month’s wrap up without a cuss word hahaha. I’ll explain later in the post.
To avoid any confusion, here’s our income report for previous months:
We are a household of
3 (2 for July) grown adult & 1 dog. We run AirBnBs full-time that counteracts the mortgages.
*This budget does not include our mortgages, property taxes, water/sewage/trash fees, utilities like gas and electricity or any homeowner’s insurance. Recurring payments are stable and it’s so annoying trying to calculate it so to simplify we automatically round-up and deduct -$6,000 from our monthly AirBnB income to cover our main residence and rental property. When the mortgage and all fees are added up, it’s about $4,500 a month but AirBnB income is taxed so that’s why we round it up to $-6,000, rough. Complicated – I know…and that’s the simplified version!
*Insurance & internet is covered by my husband’s employer.
*We directly deposited $4,799 for July into retirement savings. All retirements are automatically reserved and added every month to tax friendly accounts.
*This income report is 95% correct. We rarely deal with cash but we don’t go down to the penny anymore.
INCOME (JULY 2017)
PAYCHECK: +$4,053 (Net)
AIRBNB: +$7,564 (Net)*
MISC INCOME: +$540**
INCOME TOTAL = $16,956
*AirBnB’s income is actually post tax (net) because Jared’s been withholding extra for taxes. Smart boy! I’ve written gross next to the numbers for months. He told me this once back in January, I just forgot…dumb dumb dumb.
**Side hustlin’ on Rover a few months back, I forgot to transfer the funds over + some eBay sales.
EXPENSES (JULY 2017)
GROCERIES & DINE OUTS – $459
We ate out a bunch this month – well mostly me, Jared eats his meals at work half the week. $459 is not frugal for just one person but I have no regrets. I ate like a pizza KING (for a while and then my budget ran low hahaha.)
Meh, who needs groceries – I started clearing out some expired canned food so my meals at home consisted of sloppy joe sauce and expired Chef Boyardee…
I wish my dad was back in Seattle. Both my mom and dad are flying to Seattle on August 12th. Mom’s only staying for a few weeks before going back to San Francisco. Dad’s probably staying with us for good now.
TRANSPORTATION – N/A
One of my oldest friend, Lolita, and I hung out and she gave me a bus card with $10 on it. She moved up from San Francisco to Seattle for school and work. I’m still digging through my leftover teddy bank. I don’t track cash, it’s too messy – my guess is probably $20 this month? Not including Lolita’s $10. The cash is going down fast but the coins are not. I detest having loose coins around so hopefully the bus driver doesn’t mind if I pay $2.50 in pennies and dimes from now on. 😸
PERSONAL CARE – $25
My husband’s belt was falling apart and I felt a bit of a pain in my ice-y heart for him. This is the guy that works from sun up to sun down to bring home the bacon and he has worn the same half broken, poly synthetic leather belt for 4 years!
The fancy belt I got my husband last month didn’t fit his buckle. The belt was too fancy to not use and it’s a hassle to return on eBay so I went out and brought him a new buckle too. I brought some fluffy moccasins ($7 on sale!) for my poor feet. Such lifestyle inflation, so unfathomable :p
ENTERTAINMENT – $219
Nerdy computer books for hubby, blog (domain privacy, board boosters, and Michelle’s course), dad’s flight back to San Francisco…not sure why hubby put that down as entertainment…LOL.
HoME MAINTENANCE – $9
We scored a sweet deal on privacy door knobs from Lowes. When they found out the item we ordered for pick up was out of stock, the associates upgraded us to a better lock for the same price. It was less than $5 for each door knob when they usually retail for $12 each. #frugalwin
MISC. EXPENSES – $24
I recall spending money on a Amazon sample box with the theme of “household essentials” and 4 boxes of pens (on sale for $1.05 each). We also purchased a high speed fan (partly covered by a Bing Amazon gift card) to churn the air in the house better.
We didn’t take the sink but now we have 5 fans total. 3 fans from dumpster diving, 1 fan purchased and 1 fan that was a gift (or hint?) from an AirBnB guest. Jared explained to me that our townhouse is the worst for temperature control because of the surface area and design of the build.
Now we have 7 fans in total instead of 5. +1 gifted from another AirBnB guest recently and +1 for the high speed fan. I wish I had this many fans for my blog…😂
PETS – $82
Grace got her shots for the year and a nail clipping too. Needless to say, she was not happy. During her vet trip she tackled my husband and it busted his lip open (I was not present so I’m baffled on how). She was overly excited to see him after their separation, I was told, and the vet tech laughed her head off before directing Jared to the bathroom to wipe off the blood 😑
Fun fact: Grace memorized the route to the VET 😂. When we cross near that street, she won’t go further. We couldn’t even drag her. The plan now is to do the loop around, until she memorizes that route too, then we’ll have to carry her like a big baby for 3 blocks.
Well…we tried the new loop around route but we underestimated Grace. She stopped mid-way, became suspicious and she started stopping to look sad every 2 steps forward. I didn’t know dogs could even get suspicious!
VACATION – “$0”
Jared: “Honey I meant to put your dad’s flight under vacation.”
Me: “It’s under entertainment you dizzy witch!”
PHONE (AT&T) – $87
Jared and I need to work on our communication. I told him to call AT&T 3 weeks ago and he said he will. I told him to call AT&T 2 weeks ago and he said he will. I told him to call AT&T 1 week ago and he said he will. I told Jared just now to call AT&T and he finally did.
–15 minutes later–
Poor Jared. It’s his account or else I would have done it. Dealing with AT&T is like battling a toddler that lies and speaks bad English. It took them 15 minutes to transfer us back and forth and then tell us we have to visit the AT&T store in person. It’s written on their website that a transfer could be done via phone. You miserable conglomerate…I hate you AT&T!
Energy & gas lumped into mortgage
Not sure why I didn’t think to do this before…
FREE STUFF – 💎
Jared found a drill saw and a Christmas reindeer mug on his way home. I think that’s all that was found this month. Not so much lack of luck but time and energy. There was a garage sale that we missed because we were too tired to go in the summer heat. Sorry >_< not so exciting.
JULY SAVINGS= $10,048 (incl. retirement)
General Life update
I been experiencing a lot of foot pain for the past few months, all of which I’ve managed to ignore until it started building up more and more in the last two weeks. I ordered a pair of running shoes on Amazon as recommended by Mrs. AR’s How I Save Money on Running Shoes. Hopefully that takes care of the constant pain in my Achilles’ tendon/heel and calf. I’m really hoping that’s the problem or else it’s a trip to the podiatrist for me.
As I stated in my last blog update, my dad is in back in San Francisco for the month to fix up some paperwork. I knew things would be busier but I was getting into the swing of things. Then my husband came home with the stomach flu and it was just an entire night and day of vomiting and exhaustion for him. He had to stay home and I played babysitter. I had a week long row of all AirBnB turnovers as well (two bookings that were fudged because both guests thought they booked another night when they clearly didn’t and misread the calendar.) That was very awkward having to kick them out basically.
Lovely imagery I know.
How do you stop it from bleeding when you’re using your lips constantly and there’s no such thing as lip band-aids..? 🤔
Hubby and I don’t communicate very well sometimes. We missed an entire block party last week because Jared considers putting a piece of flyer on the coffee table as successfully telling me there’s a block party and we ought to go! This lack of communication also caused issues with the budget sheet and net worth sheet. We both edit it separately without telling each other about it which caused some math confusion. We closed a deal that he will be doing the numbers and I will come in after to look over and report it.
Pro tip: just have one spouse do the numbers or make sure to both do it at the same time. You’d think we would remember to tell each other but no, life happens and things are forgotten.
Zero Day Challenge
I’m doing the zero day challenge that was created by David over @ Zero Day Finance. I’ve got less than 2 weeks left on the calendar and I think we’re doing pretty good. I’ve been sick for a couple of days without any groceries (bus…) and Jared had to scavenge out for food.
You know what I learned?
I WANT MY MOMMY. 😭😭😭
I’m not saying this to be funny.
I really, really, really wish I had my mommy around (or dad to take directions from mom). When I was sick and delirious I dreamt of her mystery sweet bean and goji berry soup. I missed the medicinal grass jelly drink too. I missed when I was sick as a kid she knew exactly what to do and what to make. Jared tried but he has none of the experience of a 60 something year old Chinese mother.
I got a craving for fries during my fever (for some reason…) and I started watching YouTube videos about how to make fries on auto-play. I begged my husband the whole day for fries and bless his heart, he always wants to make me happy.
Any way…this happened…
THIS SHOULDN’T HAVE HAPPENED. WHERE IS MOM.
I felt a dizzy after I ate and it didn’t help my lip. I took more drugs.
Was I happy? Yeah I was happy…happy meals are yummy. Jared and I haven’t had McDonald’s in a few months. They overnuked the burgers but the fries were awesome.
I mean, with my dad gone, looking over the zero day challenge…pizza, McDonald’s, Jack in the Box, burritos, H-mart sushi…what…am I a teenager again??? That’s my exact diet at age 17 minus the dangerous amount of bubble tea. 😔😔😔
You know before last month, Jared and I never tracked our net worth in detail. When he was updating the spread sheet on August 1st, I walked in on him and he whispered almost inaudibly “I should have more…more! =.=”
Lol, Jared’s joking but it’s cute to see him wanting to build wealth and caring about his investments for once instead of just being bummy about it. 90% of the time before, it was all me talking about putting money into Vanguard and reading investing book, one after another.
Check out our Instagram for July’s net worth update (that’s my marketing tactic. That and this: follow me darn you!)
I’ll update with my links to the podcasts and zero day challenge after my completion!
How’s your month of July? Anyone else want their mommy when they’re sick?