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Getting my shit together: interrogating "fixed" costs (part 2)
This is my journey to apply the book, Unf*ck your finances. The book is about personal finances but I’ve added actions specific to working for myself.
If you want a bit more context, the prelude pieces are Hope can be scary, Why do we never talk about personal finance?, and Getting my shit together: the plan for the next quarter.
The first thing I’m doing from the plan I made two days ago is to understand how I’m spending. This means listing out all of my fixed costs and interrogating them.
Yesterday, I reduced by monthly costs by $189.95. Let’s see how I go today.
Feel free to do a cross-examination.
Squirrel Street $37.95 (monthly) (business expense)
This services saves me hours of keying receipts. Keeping it.
Mobile Phone (monthly) (50% business expense)
This includes the service as well as insurance on the phone. Keeping it. I’m not even going to shop around because I know it’s an awesome deal.
Envato (monthly) (business expense)
This gives me access to great graphic templates. I needed one this month. I’ve added it to my calendar to cancel it before the next payment comes out. I can always resubscribe if I need another template
Virtual Coworking (monthly) (business expense)
A community that I’m a part of. This gives me access to a monthly goals accountability crew and a co-working space in the CBD one day per month. I use the space for meeting rooms and get access to mentorship and the full network of people.
Online community (monthly) (business expense)
A community that I’m part of. This is a high-end membership fee and my hope is that it’s full of people a few years or decades ahead of me. I need to make the most of this. I’ve opened the getting started guide in another tab.
Online community (monthly) (business expense)
Another community I’m a part of. This community is full of people who do similar work to me. It’s nice to not feel alone.I’ll take the time to go through the repository of documents and resources that it comes with.
Electricity bill (quarterly)
Fixed.
Physio (monthly
Fixed.
Home internet (monthly)
Fixed.
Mindhive (monthly ) (business expense)
This membership allows me to contribute to public challenges. I also get to support a company that I think should exist. Keeping it. For now.
Dropbox (monthly) (business expense)
Most of my files are here. I would switch to iCloud but I don’t want to lock myself into an ecosystem. Keeping it.
Duolingo (monthly)
This gets daily use. Keeping it.
17hats (monthly) (business expense)
This is my CRM and it is a dream to send quotes with because they can sign the contract electronically, set up their payment plan, and receive the first invoice…all without me touching it. I haven’t tried invoicing yet but it saves me a decent amount of brain space so I’m keeping it.
—
I reduced my monthly costs by $53!
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By Rosie OdseyThis is my journey to apply the book, Unf*ck your finances. The book is about personal finances but I’ve added actions specific to working for myself.
If you want a bit more context, the prelude pieces are Hope can be scary, Why do we never talk about personal finance?, and Getting my shit together: the plan for the next quarter.
The first thing I’m doing from the plan I made two days ago is to understand how I’m spending. This means listing out all of my fixed costs and interrogating them.
Yesterday, I reduced by monthly costs by $189.95. Let’s see how I go today.
Feel free to do a cross-examination.
Squirrel Street $37.95 (monthly) (business expense)
This services saves me hours of keying receipts. Keeping it.
Mobile Phone (monthly) (50% business expense)
This includes the service as well as insurance on the phone. Keeping it. I’m not even going to shop around because I know it’s an awesome deal.
Envato (monthly) (business expense)
This gives me access to great graphic templates. I needed one this month. I’ve added it to my calendar to cancel it before the next payment comes out. I can always resubscribe if I need another template
Virtual Coworking (monthly) (business expense)
A community that I’m a part of. This gives me access to a monthly goals accountability crew and a co-working space in the CBD one day per month. I use the space for meeting rooms and get access to mentorship and the full network of people.
Online community (monthly) (business expense)
A community that I’m part of. This is a high-end membership fee and my hope is that it’s full of people a few years or decades ahead of me. I need to make the most of this. I’ve opened the getting started guide in another tab.
Online community (monthly) (business expense)
Another community I’m a part of. This community is full of people who do similar work to me. It’s nice to not feel alone.I’ll take the time to go through the repository of documents and resources that it comes with.
Electricity bill (quarterly)
Fixed.
Physio (monthly
Fixed.
Home internet (monthly)
Fixed.
Mindhive (monthly ) (business expense)
This membership allows me to contribute to public challenges. I also get to support a company that I think should exist. Keeping it. For now.
Dropbox (monthly) (business expense)
Most of my files are here. I would switch to iCloud but I don’t want to lock myself into an ecosystem. Keeping it.
Duolingo (monthly)
This gets daily use. Keeping it.
17hats (monthly) (business expense)
This is my CRM and it is a dream to send quotes with because they can sign the contract electronically, set up their payment plan, and receive the first invoice…all without me touching it. I haven’t tried invoicing yet but it saves me a decent amount of brain space so I’m keeping it.
—
I reduced my monthly costs by $53!