September 2018 Income, Expenses and Savings

(2 Minute Read. Enjoy!)

At the end of every month, I grab a cup of piping hot coffee, and sit down in front of my laptop to finalise my monthly income, expenses, and savings. Without further ado, here are the numbers.


Thoughts on My Income:

Because the examination period usually straddles September and October, I had a lot more tutoring to do this month. I expect my tutoring income to drop by half in October, and then disappear completely by November. So the extra income I got this month is a nice little boost.


Thoughts on My Expenses and Savings:

I spent $20 renewing the domain name of this blog. (I started this blog back on 15 September 2017, deleted it because I wasn’t proud of my content, took a little time off, and then booted it back up on 15 April 2018.)

It’s been a whole year since I started this blog! How time flies.

As usual, nothing else out of the ordinary.


The Progress I’ve Made:

I really, really enjoy seeing the progress I’ve made over the months. There’s something satisfying about knowing you will reach your goal, and eventually reaching it.


And That’s it for this Month’s Income and Savings Report!

I try to maximise the use of visuals (charts) and minimise my random musings, to keep these reports as simple as possible.

Hopefully, you enjoyed this or took something away from this.

The plan is to do up regular monthly income and savings reports. These monthly reports will detail my income, savings, and expenditure every month, down to the nearest $5 or $10. If you’re interested, you can check them out at this link to see how much I’ve saved and the progress I’ve been making.

Thanks for reading!



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  1. Hey Liz, That’s so amazing that you saved 76% of your income this month. What an inspiration!! It’s really incredible to see how low you can keep your monthly expenses. Looks like you are right on target to reach your 2018 goal. Awesome!
    Cheers, Dragon Gal

    1. Hey Dragon Gal, thanks for your encouragement! And I’m glad that you enjoy the monthly savings reports! It means a lot to me 🙂 Hmm, I plan to travel the world in the future, and will definitely be hitting up lower-cost countries as well. Hopefully I’d be able to keep my monthly expenses even lower then! I’ve always found it fun to challenge myself on saving as much as possible 🙂

    1. Thank you, MERJ! It takes a lot of effort, but it’s worth it! After I reach my savings goal for this year, I’m just going to continue saving more money! I’m looking to build a substantial amount of savings (though it won’t be enough to reach FI) before I quit my job. So I’m probably going to keep saving and saving for another 2-3 years or so. 🙂

  2. Hi Liz! I just found your blog today via your article on Keep Thrifty 🙂 I see you spent less than $200 on food last month which is awesome! Do you have any tips on saving money on food/groceries? I am in dental school and living on loans so I’m trying to spend as little as possible, but I feel like I spend so much on food. Hope you have a great day! -Kayla

    1. Hi Kayla! Thank you so much for stopping by 🙂

      Definitely! I’ve written 2 blog posts about this very topic. You can check them out here – “3 Strategies for Spending Less than $200 on Food and Drink Each Month” and “How I Spend Less than $200 on Food and Drinks Every Month“. I hope you enjoy them! Do hit me up if there’s anything I missed out or if there’s anything else you’d like to know. 🙂

      Wow, dental school sounds amazing (apart from the loans, of course). How much are you currently spending on food? I’m proud of you for trying to live simply now, it’ll definitely pay off in the future. Have a great day too, Kayla!

      1. Hi Liz, thanks for linking those posts!

        I’m currently spending around $300 per month on food and household goods (I lump them all together) and I would like to get it down to $150-$200. Hopefully November will be a little less expensive. Dental school is super fun so far 🙂 Thanks for the reply!!

        1. No problem, Kayla! I hope they were useful for you. Do let me know if you want to know anything else!

          $300 a month for both food and household goods is decent! I think you should already be proud of yourself. I hope you get to your desired budget soon! Let me know how it goes. 🙂

          Glad you’re enjoying dental school!

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