Consumerism Commentary - Latest Comments in Personal Balance Sheet, November 2006 ($67,377, +5.54%)

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

saving advice — Tue, 05 Dec 2006 02:27:17 -0000

Congratulations on another $2000+ month from the blog. It's wonderful that you have been able to keep it up and there seems to still be quite a bit of potential as the credit card offers would indicate.

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

Harlan Landes — Mon, 04 Dec 2006 19:33:35 -0000

I'm not quite ready to give up the day job. We'll have to see how things progress over the next year, at the least. I just can't give up the "cheap" health insurance yet.

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

John — Mon, 04 Dec 2006 19:14:26 -0000

eh, I think you should quit your job soon, probably impeding your progress.

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

Harlan Landes — Mon, 04 Dec 2006 09:50:31 -0000

Dus10: A while ago, I used the uPromise MasterCard which contributed 1% of every purchase to the uPromise account, but I've since switched to the Citi Dividend Platinum Rewards Card. Basically, the only thing contributing to my uPromise account is the purchase of some grocery items. At the most, it's $1 per shopping trip.

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

Harlan Landes — Mon, 04 Dec 2006 09:47:43 -0000

GolbGuru: The business income is mostly, but not completely, from this website. AdSense isn't the biggest portion anymore. The main increase is from programs like LinkWorth. There's more info in my November income statement.

CardGuy: At the end of the year, I plan to re-evaluate my emergency fund to make sure I have three months of cash reserves earmarked for emergencies. My choices for the rest of the business income including paying off student loan debt and saving for a house. I haven't made a decision yet. I've already started using money here and there to supplement my cash flow. So the income/expense report better indicates how the business is doing than the balance sheet.

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

John — Mon, 04 Dec 2006 09:30:29 -0000

Very nice. 77% over the previous year. You're making some big strides, and they're getting bigger.

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

Dus10 — Mon, 04 Dec 2006 08:53:11 -0000

What all do you do for UPromise? I have been a member for nearly three years, and my balance is only $60; I have not withdrawn any funds, to date. Granted, I only use the grocery loyalty cards, and I have my wife's parents doing the same and contributing to us. I did have SBC contributing $2/month, but they stopped contributing to UPromise, all together, two months after I finally got them in the program.

I am thinking of asking random people at the store for their loyalty cards to jot down the number, and then I would just open a UPromise account and have those funds contribute to mine.

I am planning on buying a new washer and dryer combo in the year, or so, and the models I was already eying are some front-loading Whirpools, and they contribute a nice chunk to UPromise. Also, I am refinancing my mortgage on 01FEB07, so if there is a mortgage company that contributes to UPromise, and can still meet my terms, then I will go with them.

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

Card Guy — Mon, 04 Dec 2006 08:35:05 -0000

Good job again! Are you considering to move more cash-like balance to investment? I'm not sure if it makes sense to keep the "business" income intact ... one dollar is one dollar and it is unnecessary to assign a special use of a dollar just because how it is earned.

Re: Personal Balance Sheet, November 2006 ($67,377, +5.54%)

Golbguru — Mon, 04 Dec 2006 08:28:08 -0000

The entire 12K under "business" is from website income ?! That's something. Also, the business income is showing a rising trend since October, were you specifically doing something for that?..or just a whole lot of AdSense clicks.