DJ Yofi at Denver Cruisers Aliens of Death

June 2013 Net Worth and Earnings Update

June 2013 net worth

May was a great month. I visited family and friends in Israel, had a day in Frankfurt, and still managed to grow my net worth.

Banking, Debt, and Investments

Last month, I was debating paying off my mortgage early or investing in other places. My mortgage rate is 2.875% and my balance is less than $100,000. I found that for each $100 I pay early right now, I save about $50 in interest over the next 15 years. I wrote about it here, and a very insightful discussion followed. Based on that discussion, I decided to hold off on extra payments for the foreseeable future to allow me to invest elsewhere.

My $25 automatically deposit from each paycheck into my Lending Club account has now led to an account balance over $800. My net annual returns at Lending Club are 11.46% and steadily growing as I diversify into more risky, higher interest loans. I currently have 37 active loans, 3 in funding, and 11 fully paid and I have earned $102 in interest. I love Lending Club as an alternate investment vehicle.

Liberty Fund Update

I have a $30,000 savings goal for my liberty fund. Thanks to my bonus, I was able to make my biggest contribution to date. I started saving in August, 2012 and the fund balance is now at $23,549. I’m making great progress saving. I plan to use $2,500-$5,000 from this fund on some home remodeling projects in the next couple months.

The bulk of my liberty fund is in a combination of high interest savings accounts and a stock investment account. I suggest Ally Bank for this type of savings. I began this fund with a $5,000 emergency fund goal.

Side Business Income

Narrow Bridge Media – All Blogs and Online Activities


  • Private Ads, Freelance Work – $1345
  • AdSense – $6
  • Affiliate Payments – $145
  • Premium Plugin Sales – $0 (will be reported only when paid by Code Canyon)


  • Freelance Writers – $30
  • Email List – $19 (Provided by Aweber)
  • Web Expenses and Development – $40

This was a pretty good month. My goal is $1,000 per month, and this month I made nearly $1,500 in revenue. I doubt that level will hold, but I’m not complaining!

I created a new WordPress plugin a couple months back to solve a problem I had. I was trying to convert from the Thesis Theme to Genesis (did you notice?) and couldn’t move my Thesis post images as expected. My new plugin takes care of that and is available for $10, of which I get $6 per sale.

Denver Flash Mob – Flash Mob Consulting and Planning

  • Revenue – $339
  • Staff Payments – $0
  • Other Expenses – $0

The completely rebuilt the Denver Flash Mob website is sending me more business leads, but I don’t always have the ability to meet the requests. I currently have 4 events in the works. I am looking at buying a new speaker system this month and owe a payment to the choreographer.

I am considering selling this business to free up time for other projects, but I’m not really sure where to start with selling a business like this.

Net Worth

June 2013 Net Worth Detail

In total, my net worth was down $2,405, or .89%. I update my condo value from Zillow and update my car value based on Kelley Blue Book annually in January. I pay off my credit cards in full each payday.

12 thoughts on “June 2013 Net Worth and Earnings Update”

    1. We would love to have you! I have 3 on the calendar right now at

  1. I love reading posts like this! As a competitive person, I enjoy seeing how others are doing and secretly try to do better haha!! I’m jealous of your Lending Club investments too. I used to use Prosper, but then my state stopped allowing residents to invest on the site. I’m pretty sure Lending Club is the same way….time to verify that for a fact.

    Keep up the great work!!

    1. I know a handful of states don’t allow peer-to-peer lending right now. It is sad to see governments get in the way of exciting, upcoming start-ups and investment ideas. Some of those states allow secondary market Lending Club accounts. It might be worth looking into.

  2. I really enjoyed this post. As a blogger I’d be very interested in reading more about your private ads and freelance work. I’m also shocked at how low your adsense number is. It has me wondering if I should be focusing on other revenue streams.

    1. I thought the exact same thing Michael. My Adsense revenue is equally pathetic. I’m very interested to hear more about your private ads Eric. Does most of that come from the Denver Flash Mob site?

      1. The private ads are almost 100% on this site. As with Michael, I would be happy to share how it works in private emails.

    2. My AdSense has gone up and down over the last year or so depending on how Google feels about me (Panda and Penguin updates are not friendly to me). If you want to know more about direct ad deals, send me an email and I’d be happy to share in private.

  3. Thomas | Your Daily Finance

    Never seen a live flash mob before, that would be something great to experience. I use p2p lending will have a look at lending tree to see how that works out. Great work on the side business income.

    1. My flash mob business sort of happened by accident, but now it is a great way to make a few extra bucks on weekends.

    1. I love getting 11%+. I use my knowledge from my time working in banking to pick my loans, so I have never had one go bad (yet, fingers crossed).

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