Every month I try to cover two major things: Side Hustle “Bonus Income” and Debt progress. These things are usually worked on throughout the month like a note pad, where I can jot down payouts and pay offs. I made a plan last month to start using dividends to pay off my Hair on Fire Debt Emergency.

While digging through my accounts I was struck by the idea that I really need to make some more formal changes to my IPS. I think I’m going to let my current bond allocation shrink and no longer attempt to maintain it at 10% of my portfolio. As I don’t like to knee jerk react to anything I won’t actually change this until next January.

I’m also pretty excited that I was able to use the dividends and the 1st of the month paychecks to dump $1,000 on to the HELOC while also putting $3,100 on to the Robinhood Gold Card. Mainly thanks to the $500 from dividends and covered calls money I had in my Robinhood account. Now the real question is why was my Gold Card at almost $4,000 in the first place?

Well, it’s because of the 3% cash back I put all my utility bills on to the card, but we had a $400 bill from the children’s hospital, $130 from appliance repairman, over $100 at the dentist, and two big ones: The Car repair at $1,200, and $800 from Lowe’s for shed organization materials.

With the wedding trip ended my goal this month is to spend as little as possible on any “emergencies”. While also attempting to step up my side hustle money. Let’s get this into overdrive!

~~Miniwing~~
Optimist, Parent, Investor