Reality Bites the Budget

I want to just take a moment to say thank you to everyone for your kind words and encouragement after last week’s post: The Last Rant You’ll Ever Read Here. It is so uplifting and inspiring to be part of such a great community! We love you all!! 

Well, we made it 162 days without having to dip into our savings to pay the bills. We made it through the holidays, 3 birthdays, a 3-week visit from my aunt, and a weekend getaway. We prepped for garden season, kept our pantry and our gas tank full, and continued to help others along the way. In a way, it feels a bit like a defeat, but I know it’s really not. Our savings was saved for that very purpose – to use for bills when freelancing wasn’t enough; so to go 5 months without touching it, I know that’s not such a bad thing.

When I left my job on September 20th, we had $4423.91 in checking and cash (excluding our savings). Over the past 5 months, we’ve earned $5,139.37 from a number of freelance gigs and side hustles, including our quarterly real estate survey gig.

Sources of Income

Out of that, we’ve paid 6 months of rent, utilities, insurance, and entertainment (which is basically just Netflix these days). The biggest portion of our expenses – rent. I know this is something we need to re-evaluate but I don’t know that that’s going to happen this year.

9/20/19 – 3/1/2020

The remaining $774.28, along with $755 in cash and gift cards we received at the end of 2019, has been what we’ve used for gas, groceries, and miscellaneous spending. That roughly equates to about $300/month.

On paper, everything looks good. I mean, it balances, at least. But in reality, it’s rough to live like this. And that’s something I never thought I’d hear myself say!

When we were experimenting with living on half of our income, I always knew that if push came to shove, we had the other half to fall back on. Now that we have to use all of our income and then some just to cover the bills and basic living expenses, it can be scary at times. Using part of our savings for bills – regardless of whether or not it was saved for that purpose – feels stressful, because I know that once that money is gone, it’s gone.

My mom’s advice – get a real job. I admit, the pressure does get to me and I do consider how much easier life would be if I took her advice. But I don’t want to be someone’s full-time employee again, just because life gets a little hard. So I’m exploring my options.

Last week, I talked about trying to secure one steady freelance gig to boost our income. In 2014, I used a website called Flexjobs to find a similar job. For 8 months, I worked as a freelance editor for a company in California that operates several coupon code sites (like It was a fun 20-hour a week gig that I could do from home (or anywhere). Here’s a picture of me working from my “mobile office” at a campground in Savannah, GA. I loved that gig and was sad to see it end, but thinking about it this week reminded me that where’s there’s one such job, there are sure to be others like it.


So I went back to Flexjobs. While I do recommend this site, I wasn’t able to find anything that I was looking for there this time. Instead, it was while scrolling through Facebook on our mini-vacation that I found my inspiration.

One of the side hustles that we’ve enjoyed over the past few years is mystery shopping. It doesn’t pay the bills (by any stretch of the imagination!) but it does give us a chance to try new restaurants, attractions, and services for free – and get paid to do it. If you’ve ever mystery shopped, you know that the reporting process can be quite extensive at times. The client paying for the shop may expect a lengthy and detailed narrative. While almost anyone can be a shopper, not everyone is a good writer, so mystery shopping companies employ what they call Quality Control Editors. These work-from-home jobs involve checking reports for errors and inconsistencies, correcting grammar, and generally tightening up the narrative to present to the client. This was the job I saw on Facebook. This is the type of job I’ve been applying for all week.

While not all of the positions are freelance, most are very flexible part-time jobs. You aren’t likely to find these jobs on Indeed or other job search engines, but a quick Google search of “mystery shop editor jobs” will show you all you need to know to apply for one. Today, I have an interview with the company that I first saw on Facebook. I have my fingers crossed that it will be a good fit.

I’ve lived the American Dream, with it’s ladder-climbing career path and over-the-top spending for things you never even thought about wanting, much less needing. I’ve also been broke, adding a hot dog to my nightly ramen to mix things up a bit while sorting through a stack of bills to see which one could and would get paid that week. I wouldn’t want to go back to either. Nor do I want to go back to where we were even last year – even though, looking back now, we had it kind of easy. But easy isn’t always good and challenges are what help us to grow as a person, and as a couple.

Our life is in a bit of a transition phase right now as we try to define the role that working for wages will play in it. As with any good experiment, we’re going to try a lot of things that don’t work before we do find the one thing (or combination of things) that does.  There’s a sweet spot out there where work and life really can balance, in the way that we want them to, and I’m hopeful that we can find that sweet spot here in the very near future.

6 thoughts on “Reality Bites the Budget

  1. Thanks for this. We really hope that the transition happening among workers now around the world would pick up really soon in order to give everyone online an equal chance to good opportunity of employment. While freelancing does not pay that much, there are certainly some platforms that could help us, freelancers, the chance to find a good source of income. One of the newest platforms is Hopefully, this website provides the job needed by those who have the right skills to offer.

    In these trying times, let us work together to help each other survive the challenges of working from home.
    Thanks again and keep safe….

    Liked by 1 person

    1. Thank you! You are absolutely right, finding good resources for freelance work can be difficult anyway but with so many folks now having to work from home, it is more important than ever that we share information. Another similar platform that is still in the process of being built is Work For Impact ( I signed up for them and periodically receive newsletters but so far, no work. I will take a look at TheRisr today. Thanks again!


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