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The LTNE Report -- November 2012

This is the eighth monthly report since LTNE went live and I'm certain this is our best month yet

Most visitors to the site remain direct visitors (i.e., come here directly rather than from a link from another site).  However, when a user follows on a link on the Internet that leads to this website, Squarespace tracks those links, and this month my primary referrers were Mr. Money Mustache, My 4-Hour Workweek, and Financial Samurai.  Thanks!  They are great sites that you should visit!

Also, thanks to everyone who has utilized the chat / messaging button (provided by the awesome service Olark) on the bottom right of the site!  I've enjoyed talking with readers of the site and have especially appreciated your encouragement.  

Our Most Accessed Posts this Month According to Squarespace:

Lifestyle Design, Bending Probability Curves, and Good Fortune!

The LTNE Report -- October 2012

Lending Club October 2012 Update!

How I Saved My Family $214,292 This Week

Build a Blog!

Portenzo BookCase for the New iPad Review

This Month's Income: 

Our active income was down for the second month in a row.  Since Jen is an hourly employee and has not yet accrued vacation days, spending time away from home with family cost us three days of wages.  Even with the long drive and the lost wages, we enjoyed ourselves immensely and the kids had a blast!  Plus we ran a 10K on Thanksgiving Day with a bunch of our family!


The good news story is that passive income again increased this month, for the first time surpassing $100.  We've also diversified our income streams by reintroducing CPC advertising late in the month with the revamped service, as well as adding some additional affiliates and a Paypal donation button.  I was pleasantly surprised to find that we had received a small amount of money in our Paypal donation account too, alongside a nice note about one reader's view of the value of LTNE!  Thanks Brian!


This month's passive income sources:

InfoLinks: $.07

Amazon Affiliate: $33.99

Paypal Donations:  $8

Squarespace:  $50

Disqus Discovery:  $.07

Lending Club Interest: $12.26 CPC Advertising: $.88

Total:  $105.24

As a reminder, please consider doing any holiday shopping that you were going to do online at Amazon, Target, or Kohl's through our online links, including the "Shop Amazon, Target, or Kohl's and Help Us!" button at the top of the site.  

When you shop with our links, you support the blog at no cost to yourself and it is much appreciated!  A few of you have bought Ooma VOIP phone service through our links.  Let me know what you think.  We continue to be happy with ours.  

Late this month, we once again doubled our Lending Club loans, bringing our assets there to $1522.73.  As our assets in Lending Club continue to grow, I'd expect our social lending snowball to pick up pace and size and to see a corresponding increase in interest income from that source!

I've created two graphs this month that shows our peer-to-peer lending asset creation and I'll continue to update them monthly as they grow!

We also made two sales off of our mostly neglected niche site,!  Woot!


We did not hold the line on spending this month, especially in a few critical areas, as travel has thrown off our fuel and food budgets.  Also, we've begun our Christmas shopping, though we are looking to spend less than we typically do there.

I did participate in an interesting conversation with Matt (Dumb Passive IncomePay Off Credit Card Network) and a few others over at Bublaa about our grocery spending, however.  Jen and I have once again discussed this topic and we're committed to finding more savings there.


Clearly the best news this month was the fact that we demolished our remaining non-mortgage debt in November.  With the sale of my car and elimination of that auto loan, alongside paying off all of our debt consolidation credit cards, we've eliminated about $54,000 in debt in less than eight months.  I do remain an advocate for debt consolidation on a zero-percent credit card like this Discover Card that we used, but only if you have the discipline to pay it off and not get back in debt!  Our only remaining debt is the mortgage on our rental home.

At this point, we are not planning to more aggressively pay off our rental home mortgage, as our priority is to build assets for our eventual transition (to invest in a home, business, or other enterprise).  

If you are in debt, now is the time to fix it.  Sign up at the right for our free newsletter and receive instant access to our exclusive guide:  15 Steps to Fix Your Broken Finances and Live a Better Life! 

Net Worth:

Now that we are building assets, as well as seeing the value of our rental home start to actually increase, our net worth is slowly inching up!  

Site statistics:

Our Alexa rank continues to bounce around, but we've mostly flatlined on progress here, throwing into doubt our success in the Yakezie Challenge.  Our goal remains to move under 200,000 by January 2013.  Please spread the word about the site to help us get there!

Traffic for the site was nearly even with last month.  This is three consecutive months of essentially no growth in traffic.  This is my number one concern for the site right now.  Let me know if you have any thoughts on blog growth in the comments below!  

Twitter is up slightly.

Bye bye November!  I hope all of you have an amazing holiday season!

Do you want to help Live the New Economy?  Link to our content, share with your friends, or use our shopping links!  Thanks!

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    Analyste Reste Pro Par David Berman Je l'ai Nike Pas Cher souligné auparavant dans cet espace que les détaillants et l Chaussure Nike es fabricants de chaussures en particulier ceux spécialisée dans les chaussures de sport ont connu une année exceptionnelle en 2010, le Nike ...
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    The LTNE Report -- November 2012 - LTNE: - Live the New Economy.
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