November 2018 Recap and Extra Income Report

December 5, 2018

Short Reception Wedding DressesHi and welcome to a new recap and extra income report while working full-time, November 2018 Recap + Extra Income Report.


Every month I publish an in-depth report of my net-worth and extra income projects. I personally love reading income reports and I hope by doing this I inspire you to start side hustling too.


If you’re extra curious about my personal life you can go my other blog, IzzaGlino. I didn’t do a usual Goodbye November, Hello December 2018 post. But, I did blog about my birthday trip to Palawan complete with photos and short anecdotes.


Soon I will be publishing my travel guide to El Nido 4 Days/3 Nights here so please stay tune!


A great start for you to know my outlook for this year would be the 2017 in Review I did.


Publishing my recap and extra income report monthly has always been for two main reasons:


1. To help myself stay on track with my finances and stay accountable to my goals and actions.

2. To encourage you and the others who are reading this post to pursue your passion and hustle.



November 2018 Recap



The month of November has been the busiest month for me, EVER.



First of all, I turned 25. And to make it extra special I celebrated my birthday in El Nido, Palawan (November 9 to 11).



The trip went really well and I had an awesome time island hopping in the amazing beaches of El Nido, Palawan.



I spent 4Days and 3Nights Island Hopping on some of the best beaches I’ve ever been.



The trip reminded me so much of my Caramoan Island Hopping in 2016.



I also went to Malaysia before the month ended. I spent 5 Days/4Nights in Penang, Malaysia (November 22 to 26) and had a quick tour at Kuala Lumpur before the flight back home.

The reason for the trip was to support my eldest sister who joined the Penang Bridge International Marathon. She did pretty well for her first 42K event and I’m very proud to have witnessed her finish the race strong.


Sadly, before our trip to Penang my brother got into a motorcycle accident. He broke his right leg and had to undergo surgery. It was a tragic news for the family.


As of this writing my brother already went through with the surgery and is now on the road to recovery!


I want to share this detail since it has an effect to my current net worth which you can read towards the end of this post.


Those were the major events that took place for November.


How was money for November 2018?


To help my brother in his accident I had to lend Php 30,000. This was used, along with the money from my other sister to buy the implants for his operation.


I am beyond thankful to God that although the fractured bone was near the hips, He didn’t allow for my brother to undergo hip replacement surgery. This would have cost us Php 200,000 or more.  


Aside from the implants, there’s no other major expenses since my brother is being taken care of at Philippine Orthopedic Center in Quezon City.


That’s it for November.



November 2018 Extra Income Report


For November 2018, I earned a total of Php 1999.82 extra income from blogging. The rest of my extra income projects – YouTube, Freelance Content Writing and Wedding Emcee were Php 0.



The income I revealed above is the combined Google Adsense income I have from this blog and my other blog, IzzaGlinoFull.

I did a 4500+ word blog post about My First Google Adsense Payment Story to give you an idea what it takes to earn money on Google Adsense.



Curious about blogging? Check out my tutorial – The Ultimate Guide on How to Start a Blog

Below is/are the big win/s on my blog for this month.


1. 2018 SavingsPinay Reader Survey


Every two years I conduct a reader survey here in SavingsPinay.


The objective of the reader survey is simple – find out how to make this blog better.


I can’t thank enough those who have spent less than five minutes of their time to answer the survey. And I am hoping for more people to share their thoughts and feedbacks on SavingsPinay.


Here’s the form in case you missed it from last week’s post.

I am also encouraging you to be part of my Email List:


What do you get as part of my email list?


Access to the Resource Library where you can download freebies like workbooks, budget templates, money manifestos etc.


An exclusive email every week containing info and updates I only share to my subscribers. My first newsletter includes how my first three months investing in direct stock market went. And the response has been amazing.


Sign up here.



November 2018 Blog Income Update


For November, I earned a total of $38.07 or Php 2002.87 which is the highest amount I earned ever on Google Adsense in a single month!






Unlike last month’s report where my earning dropped significantly, November proved to be a good month for the blog.


I am now on the road to reaching my fifth Google Adsense threshold for 2018. It feels surreal remembering how it took me four long years to make money in Google AdSense.


What did I do differently?


Owning my own domain and hosting made such a huge difference in my blog life.


That investment unlocked all the possibilities for monetization on my blog. For three long years I didn’t bother to have my own domain and web hosting.


November 2018 Blog Traffic Update


Another month where I hit 20,000 pageviews a month on SavingsPinay. Knowing that my blog is read or even visited 20,000 times is such a huge achievement for me.




You see, when I started SavingsPinay I never imagined it to be what it is today, a source of inspiration to others. Thank you for keeping this blog alive.


From 26,517 views last month I went down to 24,093.


With that here are my regular posts on SavingsPinay for November 2018:



November 2018 Net Worth Update


Below is the simple spreadsheet to show my November 2018 Net Worth:



Here are the details:


Extra Income – Php 5,072.17


As you know, how I organize my money is that the extra income I get from all of my side hustles pays for my “wants” such as travel.


Subtracting the expenses I had for the Palawan and Malaysia, I am left with almost half of what I had from last month.


This is what’s good with having a side hustle, you get to enjoy opportunities that comes along your way without sacrificing much of your savings.


Related Posts about Making Extra Income:

21 Best Side Hustles To Start This 2017

8 Important Reasons To Start a Side Hustle


Savings Account – Php 18, 719.12


I had to less the Php 30,000 I loaned for my brother’s operation. This is a major backslide to my current net worth but my brother needs me more than ever.


Related Posts about Saving Money:

How To Save Money Each Month: A Definitive Guide for Pinoys

The 50-20-30 Budget Rule and How It’ll Save Your Finances


Stocks – Php 35,223.54


Stocks are better this month compared to last month. The Philippine stock market finally reached the 7,500 mark.  I am hoping that this rise continue especially as a new year begins.


I continue to invest even if the stock market is failing. I am investing for the long-term and I refrain to be swayed by my emotions easily.


This is the reason why you need to have proper savings first before making any investment. The market is like a big bubble, no one knows what’s going to happen in years to come.


Related Posts about Investing in Stocks:

I’m Finally Investing in Stocks

Stock Investing 101: The Frequently Asked Questions


Mutual Fund – Php 62,465.03


I’ve been investing in mutual fund since 2014.


For the first three years I experienced slow growth in my mutual fund earnings.


I even experienced a loss in my last update.


The current state of the Philippine stock market affected the market value of my mutual investment big time. I’m not happy at all looking in my portfolio.


From almost Php 9000 gain in January down to a negative. Undoubtedly, sad.


But then I’m keeping my investment intact.


Mutual Fund is a good parking lot for whatever savings I have so I will still believe that as the market goes up once again, the returns I have will return and even grow bigger.


Related Posts about Investing in Mutual Fund:

Investing in Mutual Fund for Beginners: The Complete Guide

Best Mutual Fund in the Philippines: 2018 Update


FarmOn – Php 19,017.50


I already received my return for both the rice and squash investment I started in January 2018 and March 2018, respectively. I got around 11.9% ROI for each which is awesome.


From Php 17,000 net investment, it grew to Php 19,000 in six months.


What’s my crowdfunding plan now.


First, I wanted to do an update on the posts I made about online farming or crowdfunding. Most of the information from the post were outdated already.


Second, I want to keep my capital money including interest for now and reinvest once a new cycle that I like opened. I really wanted to invest in poultry products next like pig or chicken.


Related Posts about Investing in Online Farming or Crowdfunding:

Cropital, Philcrowd and FarmOn: Best Alternative Investment in the Philippines

How To Invest in FarmOn: A Step by Step Guide




I know my receivables is too much and I have to do something to decrease this and reinvest instead.


Both Receivable #1 and #2 are money owed to me.


Other Assets are combined value of items I own that has market value like aircon (I won on a raffle), LCD projector and gadgets like Ipad Mini and previous HP laptop.


Liabilities – Php 0.00


I currently don’t have any liabilities, debt or credit.

Final Notes from SavingsPinay


I hope you enjoyed my November 2018 Recap and Extra Income Report.


Can’t believe we are now on the final month of 2018. Time for the annual year-end review once again plus I will be changing the format of the recap and extra income report in 2019 so please watch out for that.  


Also I am encouraging you to join my 2018 Reader Survey! You can fill-out the form here →


Please go over my other blog to read all about the events and happenings that took place in my personal life.


Thank you for reading my post. See you on the next recap and extra income report.



How are your finances for November 2018?

Clariza Glino

Izza of SavingsPinay helps Filipinos bridge the financial literacy gap one content at a time by providing insights and tips on budgeting, saving, investing, side hustle and growing your net worth. Aside from this blog she also writes at, a beauty and lifestyle blog for frugal Pinays and manages,, a wedding and event business since 2011. For inquiries, topic suggestions or future collaborations email her at

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