July 2018 Recap and Extra Income Report

August 16, 2018

beach wedding dresses ukHi and welcome to a new recap and extra income report while working full-time, July 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 where I published my Goodbye July 2018, Hello August post. It simply chronicles the highlights of my month complete with photos and short anecdotes.


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 your way to success.


July 2018 Recap


July 2018 was filled with spiritual engagements. One of the highlight for July was attending Victory Weekend as a leader.


Never have I imagined that I will be able to give so much of my time doing One-2-One to someone.


I used to be very selfish when it comes to my time. I’d rather stay at my work station and blog than meet with other person.


But God changed me so much in such a short period of time.


I am really happy glorifying God by being a good steward of the resources He had bestowed unto me especially with time.


You can read more of my month’s highlights on my Goodbye July, Hello August 2018 post.


How was money for July 2018?


Money for July 2018 was spent on a reasonable level.


I do follow the 50-20-30 Budget Rule when it comes to allocating my salary wherein;


50% goes to Essential Expenses (Tithes, Transportation and Food Allowance, Bills, etc.)


20% goes to Lifestyle (Shopping, Eating Out) and


30% goes to Savings and Investments


Whatever money I make on the side projects (if there is), is automatically deposited to My Extra Income Fund.


More about this on: How I Organize My Finances and Inside My Money Map


I went over my budget for shopping and eating out because of books. I went to a crazy book buying in the month of July. I believe I spent more or less Php 2000 for books.


Aside from this, everything went as usual.



July 2018 Extra Income Report


For July 2018, I earned a total of USD 25.93 or Php 1385.05 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. Email exploded to 1450+ members


For the first three years of my blogging journey I didn’t take building a mailing list seriously. I thought no one will dare to sign up on my tribe. Thankfully, I overcome this fear in June 2017.


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.


Below are my must do’s related to blogging as the new month begins:

  • Consistently publish 2 new posts a month. If you notice I’ve been lacking posts lately and I rarely post on a consistent schedule. I will try not to let procrastination get the most of me for August. I really want to publish two new posts a month that are helpful, valuable and relatable.


  • Be at least one week ahead of blog posts. I’ve always wanted to get ahead of my blog schedule. I imagine getting ahead of at least one week of new blog posts will provide me a better work-life balance for August.


  • Update 3 SavingsPinay Posts a week. I badly need to update past posts in SavingsPinay to optimize and to add proper ads inside. I have been longing to do this ever since my Kuya from helped me insert ads within my blog posts. This move goes the same with my other blog, wherein I must re-publish a lot of content.


  • Send out weekly Newsletter. The weekly newsletter is an essential part of my engagement to SavingsPinay readers. I don’t just send a snippet of a new blog post I published. I actually manage to write and send a helpful guide, insightful tips and personal story to my subscribers.

July 2018 Blog Income Update


For July, I earned a total of USD 25.93 or Php 1385.05.


July 2018 Google Adsense Earning


This and my income last month, I am now around $54 away from reaching my next Google Adsense threshold.


And since I have not yet reached my threshold this income is not reflected on my net worth update.


Seriously, after I earned my first $100 from Google AdSense, it became so much easier for me to reach my next payment threshold.


It took me almost four years to make money in Google AdSense and now I only need to wait 3-4 months.


This gives me so much hope that in near future I could earn $100 monthly, even more!


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.


July 2018 Blog Traffic Update


July 2018 SavingsPinay Traffic


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 24,332 views last month I went up to 27,497.


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




July 2018 Net Worth Update


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

July 2018 Net Worth


Here are the details:


1. Extra Income – Php 20,904.11


There is no movement for my extra income fund since I have yet to cash out my blog sweldo.


I am honestly disappointed at myself because I have big plans on for my passion projects for 2018.


But, I FAILED BIG TIME to execute things. All of my income streams, except for the blog, is earning.


Related Posts about Making Extra Income:

21 Best Side Hustles To Start This 2017

8 Important Reasons To Start a Side Hustle


2. Savings Account – Php 42, 719.12


One of my goal this 2018 is to reach Php 60,000 savings and put it on a passbook account.


And since I only put 10% of my income in Emergency Fund I will definitely fail in this goal as well.


My action item is to put my bonuses in this account instead.


I really want to tick-off this goal so that by 2019 I can focus on investing my money more.


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


3. Stocks – Php 35, 905.74


The Philippine stock market continues to fluctuate in the month of July.


From 8 stocks in red last month to 9 out of 10 stocks!


But I continue to invest even if the stock market is failing.


I have no idea what is happening but since I am investing for the long-term, I refrain to be swayed by my emotions easily.


Related Posts about Investing in Stocks:

I’m Finally Investing in Stocks

Stock Investing 101: The Frequently Asked Questions


4. Mutual Fund – Php 62,796.73


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 at 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


5. FarmOn – Php 17,000.00


As of April 2018, the total money I have invested on crowdfunding through FarmOn is Php 17,000.


My rice investment started in January 2018 and I have to wait for the next six to eight months for the return.


The squash, on the other hand, was just last March 2018 so I’ll probably see the return by the end of the year.


I saw on FarmOn Facebook Group that most of those who invested in the same cycle as I did have already received their ROI.


Sadly, mine doesn’t reflect yet. Part of me is getting anxious already so I called the FarmOn customer service.


According to the lady that I talked to, all payments should reflect until first week of September 2018.


If mine does not reflect with the given timeline I will definitely call again to ask.


Crowdfunding is a new vehicle for me and the return turned out to be promising for others who are sharing their stories online.


I really hope my ROI will reflect by September 1st week.


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



For stocks and mutual funds, the figures reflected are market value already.

For online farming, the figures reflected are my starting capital.


6. Receivables


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.


7. Liabilities – Php 0.00


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



Final Notes from SavingsPinay


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


August is an exciting month because there are a lot of holidays. I would like to catch up on all the blog tasks I fail to accomplish because of work.


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.


I hope you can give me some feedback about this new layout in the comment section.


How is your finances for July 2018?

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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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