1) If you purchase something during the month say 6/15 with a visa card, then submit an online payment on 6/28, and the card says it is paid off on 6/30 but it does not pull the cash from your bank account until 7/3, then which month do you apply the expense?? In my balance statement I am lazy and just say i have no balance AND the money is still in the bank account since I strictly take data from my online statements and reported tranaction dates.

2) Also for big purchases like annual property taxes or auto insurance I see you take $127 each month out. Are you saving that money for annual or biannual savings or do you actually pay each month. I put money aside each month for those but then have a few months that look terrible for cashflow even though I had the money saved up on the side. Though in reality I did spend a larger amount than usual compared to the relatively constant income. Your thoughts??

I love this site and others like it, I could spend all day thinking about personal finance, it is SO FUN analyzing numbers and creating strategies for improvements or meeting specific goals. I enjoy the analysis much more than the money I could ever attain from it. Thanks!!

I can see why you are reluctant to make the jump to full time blogging – while you don’t have a high salary with the day job, between that and the blogging you make a pretty darn good living.

Blogging might not be as much fun if it’s your only source of income.

Mike