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	<title>Comments on: Personal Balance Sheet, Net Worth, Income, and Expenses, May 2009</title>
	<atom:link href="http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/</link>
	<description>A premiere personal finance blog, established 2003. Within, Flexo discusses his own experiences with money, and he and other authors comment on a wide range of personal finance topics.</description>
	<lastBuildDate>Sat, 21 Nov 2009 16:42:00 -0500</lastBuildDate>
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		<title>By: Flexo</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194606</link>
		<dc:creator>Flexo</dc:creator>
		<pubDate>Tue, 09 Jun 2009 15:33:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194606</guid>
		<description>Neither. A number of advertisers just happen to be in industries that are cutting back in advertising expenses, or more likely, bringing them back down to reasonable levels.</description>
		<content:encoded><![CDATA[<p>Neither. A number of advertisers just happen to be in industries that are cutting back in advertising expenses, or more likely, bringing them back down to reasonable levels.</p>
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		<title>By: Dan</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194603</link>
		<dc:creator>Dan</dc:creator>
		<pubDate>Tue, 09 Jun 2009 15:27:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194603</guid>
		<description>&quot;Income, on the other hand, is significantly down this month, more in line with my expectations moving forward.

Sorry to hear that Flexo. Is this because of a change in google&#039;s algorithms or just you scaling back to have some free time?</description>
		<content:encoded><![CDATA[<p>&#8220;Income, on the other hand, is significantly down this month, more in line with my expectations moving forward.</p>
<p>Sorry to hear that Flexo. Is this because of a change in google&#8217;s algorithms or just you scaling back to have some free time?</p>
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		<title>By: Tyler</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194373</link>
		<dc:creator>Tyler</dc:creator>
		<pubDate>Thu, 04 Jun 2009 09:22:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194373</guid>
		<description>You may have already talked about this, but I&#039;ve just found your blog.  How are you keeping track off all these stats.  Well, I really mean, how do you make such a nice report.  I&#039;m currently trying to use excel to keep track and well, it sucks. I just keep making more and more columns and every month I have to totally rearrange the cells, etc. There must be a faster way!

Any ideas?</description>
		<content:encoded><![CDATA[<p>You may have already talked about this, but I&#8217;ve just found your blog.  How are you keeping track off all these stats.  Well, I really mean, how do you make such a nice report.  I&#8217;m currently trying to use excel to keep track and well, it sucks. I just keep making more and more columns and every month I have to totally rearrange the cells, etc. There must be a faster way!</p>
<p>Any ideas?</p>
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		<title>By: Flexo</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194336</link>
		<dc:creator>Flexo</dc:creator>
		<pubDate>Wed, 03 Jun 2009 05:59:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194336</guid>
		<description>Update: I&#039;ve got a post about interest-only mortgages ready to go for noon tomorrow. Check back.</description>
		<content:encoded><![CDATA[<p>Update: I&#8217;ve got a post about interest-only mortgages ready to go for noon tomorrow. Check back.</p>
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		<title>By: Flexo</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194335</link>
		<dc:creator>Flexo</dc:creator>
		<pubDate>Wed, 03 Jun 2009 03:56:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194335</guid>
		<description>Unfortunately I have a wide variety of interests. The biggest one right now is photography. I&#039;ve even begun taken Saturday morning classes. Not earning any income with that one, in fact, it can be an expensive hobby. For now, it&#039;s solely for pleasure.

Haven&#039;t thought much about interest-only mortgages.  It&#039;s similar to renting -- you&#039;re not building any equity and could be left holding the bag if your house declines in value. But maybe I can put together something interesting.</description>
		<content:encoded><![CDATA[<p>Unfortunately I have a wide variety of interests. The biggest one right now is photography. I&#8217;ve even begun taken Saturday morning classes. Not earning any income with that one, in fact, it can be an expensive hobby. For now, it&#8217;s solely for pleasure.</p>
<p>Haven&#8217;t thought much about interest-only mortgages.  It&#8217;s similar to renting &#8212; you&#8217;re not building any equity and could be left holding the bag if your house declines in value. But maybe I can put together something interesting.</p>
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		<title>By: Ryan</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194334</link>
		<dc:creator>Ryan</dc:creator>
		<pubDate>Wed, 03 Jun 2009 03:25:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194334</guid>
		<description>Flexo,

Congrats on the growing &#039;Other Income&#039; over the past year.  Your additional projects seem to be taking off.  Your financial disclosure is motivating to say the least.  However, could you comment on your &#039;work-life&#039; balance.  More specifically, how many hours (avg) do you spend a night/week on other income?  Do you have any non income earning hobbies? 

Unrelated- Have you considered writing any article on IO mortgages?  If/when you decide to buy, assuming you don&#039;t pay 100% cash, this type of flexibility seems beneficial to those with irregular incomes.

Thanks</description>
		<content:encoded><![CDATA[<p>Flexo,</p>
<p>Congrats on the growing &#8216;Other Income&#8217; over the past year.  Your additional projects seem to be taking off.  Your financial disclosure is motivating to say the least.  However, could you comment on your &#8216;work-life&#8217; balance.  More specifically, how many hours (avg) do you spend a night/week on other income?  Do you have any non income earning hobbies? </p>
<p>Unrelated- Have you considered writing any article on IO mortgages?  If/when you decide to buy, assuming you don&#8217;t pay 100% cash, this type of flexibility seems beneficial to those with irregular incomes.</p>
<p>Thanks</p>
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		<title>By: Flexo</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194332</link>
		<dc:creator>Flexo</dc:creator>
		<pubDate>Wed, 03 Jun 2009 01:24:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194332</guid>
		<description>That&#039;s a good question. I probably can&#039;t keep it up for too much longer.</description>
		<content:encoded><![CDATA[<p>That&#8217;s a good question. I probably can&#8217;t keep it up for too much longer.</p>
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		<title>By: Rob</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194329</link>
		<dc:creator>Rob</dc:creator>
		<pubDate>Wed, 03 Jun 2009 00:23:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194329</guid>
		<description>How do you have time to do all this plus work a trditional job?</description>
		<content:encoded><![CDATA[<p>How do you have time to do all this plus work a trditional job?</p>
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		<title>By: Flexo</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194327</link>
		<dc:creator>Flexo</dc:creator>
		<pubDate>Tue, 02 Jun 2009 23:49:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194327</guid>
		<description>I didn&#039;t mean to avoid it.  But it&#039;s only fair to offer some details, so here they are.

&quot;Other earned income&quot; includes writing gigs, subscriptions, and advertising. In addition to my day job, I spend several hours a day preparing articles for Consumerism Commentary, contacting people to be involved with the podcast, writing for other websites, writing for books, responding to emails, editing podcasts, researching for articles and podcasts, programming websites (php, MySQL), helping people set up their own websites (&quot;consulting,&quot; I guess), managing the technical aspects of hosting websites, networking with other individuals in the industry, and it doesn&#039;t seem to end. Until recently I was also spending time developing this redesign of Consumerism Commentary, rather than farming it out to other designers, but that&#039;s mostly done. 

... And cooking dinner, which should be ready right about now. :-)</description>
		<content:encoded><![CDATA[<p>I didn&#8217;t mean to avoid it.  But it&#8217;s only fair to offer some details, so here they are.</p>
<p>&#8220;Other earned income&#8221; includes writing gigs, subscriptions, and advertising. In addition to my day job, I spend several hours a day preparing articles for Consumerism Commentary, contacting people to be involved with the podcast, writing for other websites, writing for books, responding to emails, editing podcasts, researching for articles and podcasts, programming websites (php, MySQL), helping people set up their own websites (&#8221;consulting,&#8221; I guess), managing the technical aspects of hosting websites, networking with other individuals in the industry, and it doesn&#8217;t seem to end. Until recently I was also spending time developing this redesign of Consumerism Commentary, rather than farming it out to other designers, but that&#8217;s mostly done. </p>
<p>&#8230; And cooking dinner, which should be ready right about now. :-)</p>
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		<title>By: Rob</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194326</link>
		<dc:creator>Rob</dc:creator>
		<pubDate>Tue, 02 Jun 2009 23:36:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194326</guid>
		<description>Good Job, Flexo

Why do you seem to avoid the question about your income?
Can you tell us exactly what you do to make that extra income?

I want details on all your internet-related projects. lol
That would make a great inspirational post.

thanks</description>
		<content:encoded><![CDATA[<p>Good Job, Flexo</p>
<p>Why do you seem to avoid the question about your income?<br />
Can you tell us exactly what you do to make that extra income?</p>
<p>I want details on all your internet-related projects. lol<br />
That would make a great inspirational post.</p>
<p>thanks</p>
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		<title>By: Flexo</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194322</link>
		<dc:creator>Flexo</dc:creator>
		<pubDate>Tue, 02 Jun 2009 22:28:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194322</guid>
		<description>I&#039;m remaining &quot;cautiously optimistic&quot; but I won&#039;t be making any moves just yet.</description>
		<content:encoded><![CDATA[<p>I&#8217;m remaining &#8220;cautiously optimistic&#8221; but I won&#8217;t be making any moves just yet.</p>
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		<title>By: Jim</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194320</link>
		<dc:creator>Jim</dc:creator>
		<pubDate>Tue, 02 Jun 2009 21:59:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194320</guid>
		<description>Your &quot;other earned income&quot; is doing pretty well.   Nice job.   

With our internet revenue increasing so well are you getting tempted to quit the &quot;day job&quot;?</description>
		<content:encoded><![CDATA[<p>Your &#8220;other earned income&#8221; is doing pretty well.   Nice job.   </p>
<p>With our internet revenue increasing so well are you getting tempted to quit the &#8220;day job&#8221;?</p>
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		<title>By: Flexo</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194315</link>
		<dc:creator>Flexo</dc:creator>
		<pubDate>Tue, 02 Jun 2009 19:03:37 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194315</guid>
		<description>As far as charitable contributions go, I typically give towards the end of the year. Take a look at December&#039;s reports. 

The income is mostly split between my day job, which is probably low for what I do, and other earned income, which includes internet-related projects, this blog being one.</description>
		<content:encoded><![CDATA[<p>As far as charitable contributions go, I typically give towards the end of the year. Take a look at December&#8217;s reports. </p>
<p>The income is mostly split between my day job, which is probably low for what I do, and other earned income, which includes internet-related projects, this blog being one.</p>
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		<title>By: MattA</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194314</link>
		<dc:creator>MattA</dc:creator>
		<pubDate>Tue, 02 Jun 2009 18:34:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194314</guid>
		<description>Couple of things I notice:

Your charitible controbutions seem ridiculously low for someone earning what you do. Wouldn&#039;t it make some sense, even for tax purposes, to give away a little more? This leads in to my next question of: how in the wide-wide-world-of-sports are you earning that much every month? Is it just from your blog, or do you also have a 9-to-5 job?</description>
		<content:encoded><![CDATA[<p>Couple of things I notice:</p>
<p>Your charitible controbutions seem ridiculously low for someone earning what you do. Wouldn&#8217;t it make some sense, even for tax purposes, to give away a little more? This leads in to my next question of: how in the wide-wide-world-of-sports are you earning that much every month? Is it just from your blog, or do you also have a 9-to-5 job?</p>
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		<title>By: Flexo</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194313</link>
		<dc:creator>Flexo</dc:creator>
		<pubDate>Tue, 02 Jun 2009 18:26:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194313</guid>
		<description>Good question. I wouldn&#039;t say I worry about it.  I only update the value once or twice a year. It&#039;s good to keep in a net worth report because it can be a significant asset. All assets contribute to overall net worth. I also find it somewhat interesting to see the depreciation.</description>
		<content:encoded><![CDATA[<p>Good question. I wouldn&#8217;t say I worry about it.  I only update the value once or twice a year. It&#8217;s good to keep in a net worth report because it can be a significant asset. All assets contribute to overall net worth. I also find it somewhat interesting to see the depreciation.</p>
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		<title>By: MyJourney</title>
		<link>http://www.consumerismcommentary.com/2009/06/02/personal-balance-sheet-net-worth-income-and-expenses-may-2009/#comment-194312</link>
		<dc:creator>MyJourney</dc:creator>
		<pubDate>Tue, 02 Jun 2009 17:52:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.consumerismcommentary.com/?p=6678#comment-194312</guid>
		<description>Out of curiousity, why worry about your car&#039;s value?</description>
		<content:encoded><![CDATA[<p>Out of curiousity, why worry about your car&#8217;s value?</p>
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