November 2017 Finance Report

Everything I earned and spent in Gran Canaria, France, Monaco and Morocco

Here be all my finances for November 2017.

I spent the first three weeks of the month on in Las Palmas de Gran Canaria, then spent 6 days days jumping around the South of France (Nice, Monaco, Marseille), before heading to Morocco for the home stretch.


November 2017 income graph


Total Income€ 3,012$ 3,505
Total Expenses€ 2,403 $ 2,796
Profit/Loss€ 609 $ 709

Note: there are a bunch of affiliate links on this page. That means if you click through to another website and buy something from there, I will probably get a commission, but you won’t be charged anything extra (actually you’ll often get a discount). These kickbacks help justify all the time I spend putting these monthly reports together.

3M1K 1€ 1,781$ 2,072
Freelance web development 2€ 724$ 843
Authority Hacker Pro affiliate payment 3€ 206$ 240
Coaching / Consulting 4€ 172$ 200
Google Adsense 5€ 73$ 85
Coinbase bonuses 6€ 17$ 20
Book sales (via Amazon) 7€ 16$ 19
Cheap Flight Checklist 8€ 12$ 14
Patreon 9€ 11$ 13
Total Income€ 3,012 $ 3,505
Last Month€ 3,544$ 4,124

I predicted $2500 income in November and managed to pull in $1k more than that, mostly thanks to 3M1K.


November 2017 expenses graph

Food & Drink

Groceries€ 187$ 218
Eating out€ 183$ 213
10 Total€ 370$ 431
Last Month€ 411$ 478

Housing & Utilities

26 nights at shared apartment in Las Palmas 11€ 530$ 617
4 nights at Marseille apartment 12€ 200$ 233
3 nights at Madrid apartment 13€ 161$ 187
2 nights at Dar Daoud Marrakesh 14€ 81$ 94
Cleaner 15€ 30$ 35
Total€ 1,002 $ 1,166
Last Month€ 138$ 161

Health Care

IMG Global Health Insurance 16 € 0$ 0
Total€ 0 $ 0
Last Month€ 0$ 0

Travel & Transport

Flight: Las Palmas (LPA) to Madrid (MAD) 17€ 121$ 141
Electric bicycles rental in Marseille 18€ 50$ 58
Taxis in Gran Canaria€ 32$ 37
Taxis in Marrakesh€ 23$ 27
Taxi: Agadir to Taghazout€ 16$ 19
Bus: Marrakesh to Agadir€ 10$ 12
Local buses in Nice€ 9$ 10
Luggage storage in Nice 19€ 9$ 10
Train: Marseille to MRS Airport€ 5$ 6
Local buses in Monaco€ 4$ 5
Bus: Nice to Monaco€ 2$ 2
Local bus in Gran Canaria€ 1$ 2
Total € 282 $ 329
Last Month€ 724$ 843

Business Expenses

Outsourcing 20€ 181$ 210
1 month coworking in Las Palmas 21€ 143$ 166
Facebook ads 22€ 121$ 141
3M1K affiliate payment 23€ 57$ 66
Phone credit 24€ 39$ 45
TransferWise fees 25€ 26$ 30
PayPal fees 26€ 17$ 20
Chatroll 27€ 16$ 19
Virtual Post Mail 28€ 9$ 10
Buffer 29€ 9$ 10
Moroccan SIM cards x2 30€ 8$ 9
Gumroad fees 31€ 2$ 2
Amazon Web Services (storage) 32€ 2$ 2
ActiveCampaign mailing list software33€ 0$ 0
Dreamhost 34€ 0$ 0
Elegant Themes subscription 35€ 0$ 0
Google Drive storage (1TB) 36€ 0$ 0
MemberMouse 37€ 0$ 0
Teamwork project management software 38€ 0$ 0
Total€ 630 $ 733
Last Month€ 893$ 1,039

Gifts & Donations

Flowers 39€ 36$ 42
Monthly Love & Courage podcast donation 40€ 5$ 6
Waking Up podcast donation 41€ 3$ 4
Total€ 44 $ 52
Last Month€ 40$ 47

Books 42

Brave New World 43 ***€ 0$ 0
The Kind Worth Killing 44 *****€ 0$ 0
Your Move 45€ 0$ 0
Total€ 0 $ 0
Last Month€ 1$ 1


Total€ 0 $ 0
Last Month€ 112$ 130

Miscellaneous Expenses

Swim goggles (x2) 46€ 30$ 35
Coinbase fees 47€ 17$ 20
Netflix subscription€ 10$ 12
Toiletries€ 8$ 9
Laundry€ 7$ 8
Monthly banking fee (Dutch bank)€ 1$ 2
Patreon fees 48€ 1$ 1
Total€ 74 $ 87
Last Month€ 126$ 147

Expense Summary

Housing & Utilities€ 1,002$ 1,166
Business Expenses€ 630$ 733
Food & Drink€ 370$ 431
Travel & Transport€ 282$ 329
Miscellaneous Expenses€ 74$ 87
Gifts & Donations€ 44$ 52
Books€ 0$ 0
Clothing€ 0$ 0
Health Care€ 0$ 0
Total Expenses€ 2,403 $ 2,796
Last Month€ 2,445$ 2,845

I was aiming to keep everything under €2000 for the month, so I was overly optimistic by €403. Accommodation expenses were more than anticipated.

Biggest Regret?

Nothing much.

Would have been good to keep the receipt for that first pair of swim goggles so I could have returned them and got my €20 back.

Year To Date

Here’s how I’m doing so far in 2017 in terms of profit and loss:

January€ 668$ 720
February€ 724$ 763
March€ 2,704$ 2,881
April€ 1,023$ 1,114
May€ 10$ 11
June€ 1,755$ 2,006
July€ 166$ 196
August€ 769$ 918
Sepetember€ 1,131$ 1,337
October€ 1,099$ 1,279
November€ 609$ 709
Total€ 1,708$ 1,988

Where That Leaves Me

I had €10,719/$12,474 to my name at the end of October.

Taking into account all my November income and expenditure, and the most recent exchange rates – I have accounts in EUR, HKD and USD – my total bank and cash balances now work out to €10,638/$12,680. 49

Outlook For December

We’re already a week deep into December as I’m putting together this report and I’m off to a fast start-income wise. If 3M1K pulls in the usual average of $2,000 I should get close to the $5k mark for the month.

As for expenses, I’m going to try keep everything under €2,500, which might be pushing it given that I haven’t done any Christmas shopping yet :-/

How I Track All This

Curious as to how I track everything I earn and spend? Check this video…

Feedback Welcome

Thoughts? Questions? Speak up in the comments below.

Archived Finance Reports

I’ve been posting these monthly finance reports since January, 2011. You can view all my old reports via this page.


  1. This is my course that teaches people how to start an online freelance business.
  2. This is how I’ve earned most of my income for the past seven years. You can see some samples of my work here.
  3. This is an excellent program for advanced online business builders that I recommend often. You can see my review of it here.
  4. I don’t actively promote this service but do take on select clients if requested.
  5. This is from the ads on my YouTube videos, for the past 3 months or so.
  6. I finally bit the bullet and bought some bitcoin via Coinbase, which I found very easy to use. I referred a couple of friends with this link. Whenever someone I invite buys or sells $100 of digital currency or more, we both get $10 of free bitcoin.
  7. I currently have two books for sale on Amazon:

  8. This is a short guide I released earlier this year. I produced it with a friend so I only receive part of the profits.
  9. I just recently got set up on Patreon (see my profile here) and have six patrons on there kindly supporting my work by sending me a few bucks each month.
  10. Under €400 is what I usually aim for. I tend to eat most meals at home which helps keep the cost down.
  11. This is The Roof, via CoworkingC.
  12. Found this place on Airbnb. Use this link to sign up and you’ll get $36 off your first Airbnb booking.
  13. Haven’t stayed at this place yet – booked it for January – but found it on Airbnb. Use this link to sign up and you’ll get $36 off your first Airbnb booking.
  14. Found on Use this link to find accommodation there and you’ll get a €15 discount.
  15. This is for a weekly cleaning service at The Roof, the coliving place I stay at in Gran Canaria.
  16. I paid for 12 months up front back in May, but listing it here each month so you don’t have to ask :-) Works out to $109/month and covers me everywhere in the world.
  17. 2 tickets, first leg of a trip to Bulgaria in January. My lady paid for the second leg.
  18. Rented two bikes from this place for an afternoon and took a spin down the coast. Twas nice.
  19. Checked out of our Airbnb early, didn’t have our train until late, so stashed the luggage for a few hours and went exploring.
  20. I have an assistant helping me with 3M1K and I also hire some other freelancers every now and then to help me out with various projects.
  21. This is at CoworkingC, though their coliving space (The Roof) is so nice that I usually work from there instead.
  22. Spent a little bit to boost this video as it was doing quite well. Got 6,200 additional views and 9 shares for that price.
  23. Whenever a sale of my 3M1K course through a recommendation from someone else, I send the referrer a $49 commission.
  24. I use the Orange Go Europe SIM card, which allows me to use the same card for calls and data everywhere in Europe. I also bought credit for my Moroccan SIM cards in November.
  25. I use TransferWise quite a lot now to send and receive money. From clients, to contractors, etc. Works out way cheaper than PayPal.
  26. Mostly on 3M1K payments.
  27. I use this live chat service for my weekly live webinar.
  28. This service allows me to receive old-fashioned mail in the USA without having a physical address there. They scan any mail received and email it to me, and can also forward along any important documents to another address I specify.
  29. Myself and my VA’s use this to queue and schedule social media posts.
  30. First one I bought wasn’t 4G, so I bought another. I’m now using the 4G as a hotspot because it can be a struggle to find reliable wifi in Morocco.
  31. I use Gumroad to process payments for The Cargo Ship Diaries, the Cheap Flight Checklist and The Rabble Rouser’s Guide To Travel.
  32. I use this for hosting podcast episodes, among other things.
  33. I paid a year up-front for this back in February, $419 total.
  34. I use Dreamhost for all my domain registrations and web hosting. Use my link and you’ll get $25 off shared hosting over there and I’ll even help you get set up :-)
  35. I use this for updates to the Divi WordPress theme that powers this website and I paid for a year in March, cost $69.
  36. Remote storage so i can keep a bunch of stuff backed up in the cloud. I paid for a year in advance back in July, worked out to $100.
  37. This powers my membership site. I paid for a year up-front in January, $215 total.
  38. I use this to manage my freelance and personal projects. Handy for communicating with clients and contractors and keeping everything organized. I paid for a year up-front in January, $259 total.
  39. I gets fierce romantic sometimes.
  40. Recurring donation to show support for one of my favorite Irish people and his new podcast. We need more people like Ruairi getting their voices heard.
  41. Via Patreon, I donate $1 per episode of this podcast because I reckon it does a lot of good in the world and we need more like it.
  42. You can see all my book recommendations and what I’m currently reading over on Goodreads.
  43. Free via my Amazon gift card balance. I’m sure this book was mind-blowing in its day, but reading it now it doesn’t seem all that special.
  44. Free via my Amazon gift card balance. Bought it on a whim and was blown away. Stayed up until 4am one night finishing the damn thing.
  45. Free via my Amazon gift card balance. Still reading this so no rating yet.
  46. First pair I bought kept leaking but I didn’t keep the receipt so couldn’t get a refund.
  47. Got charged a fee for buying bitcoin on there.
  48. This is the cut they take from the money my patrons send to me each month. You can see my Patreon profile here.
  49. Note that these totals are never quite right and don’t really align with my profit/loss numbers each month. That’s because of the different currencies and money constantly moving around between my accounts, plus I have some investments that can make or lose money in any given month. But I couldn’t be arsed figuring it all out perfectly and the above figures are close enough so let’s roll with them.

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