2023 End of Year Side Income Report

January 15, 2024

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2023 has come and gone. That means I can now look at how much I made on the side last year.

Traditionally I’ve done these in the last few days of December. However, I’ve found that - even if I do it on the last of of the year - I end up missing a few numbers. This year, then, I’m doing it it January.

Here are the past seven income reports:

Credit Card Rewards

Citi Double Cash → $1,288.41
Chase Freedom → $453.90
Chase Freedom Flex → $433.95
Chase Freedom Unlimited → $156.60
US Bank Cash+ → $108.11
Capital One Quicksilver → $13.86
Total → $2,454.83

For context, the Citi Double Cash gets me 2% cash back on everything.

The Chase Freedom and Freedom Flex I use almost exclusively on the rotating 5% cash back categories. The Chase Freedom Unlimited gets me 3% at restaurants (really all the Chase cards here do) - I use that one when dining out instead of the others in case the restaurant (for whatever reason) doesn’t code as a restaurant (in which case I’ll get 1.5% instead).

The US Bank Cash+ is used for my Internet and cell phone bill, which nets me 5% cash back on those.

Finally, Capital One Quicksilver is sock-drawered - it only gets me 1.5% cash back. The only nice thing about it is there’s no foreign transactions fees, so that’s my go-to card the rare times I travel out of the country.

Interest-Bearing Accounts

Ally Interest → $1,805.97
Vanguard $347.29
Credit Union Interest → $403.11
Robinhood
- Option Premiums → $265.54
- Dividends → $208.37
- Stock Lending → $2.99
- Interest → $2.29
Capital One CD → $41.33
Treasury Direct → $18.38
Arrived Homes → $16.10
Worthy Bonds → $8.36
WeBull Dividends → $2.71
Total → $3,122.44

Interest-Bearing means anything that I may receive a 1099-INT or 1099-DIV for. In other words - bank account interest and dividends.

My credit union pays 7% on the first $1,000 in its savings account. Both my wife and I have accounts there, netting use 7% on %2,000, or around $140 a year. The remaining amount is from a couple of CDs we have with them.

Treasury Direct does not include things like I-Bonds - only the amount that (I think) will appear on the 1099s I’ll receive later.

Print-On-Demand Sites

Merch by Amazon → $1,002.44
TeePublic → $46.50
Redbubble → $44.24
Total → $1,093.18

Blogging

Google AdSense → $494.68
Amazon Associates → $160.96
Paid Back Link → $30.56
Total → $686.20

Cryptocurrency Earnings

Coinbase →
- Rewards → $3.56
- Staking → $10.76
- Capital Loses -$671.24
Total → -$656.92

The “capital losses” are from when I moved a bunch of coins I didn’t want into bitcoin.

This year I’m also not counting my BlockFi account. I was hoping the bankruptcy proceedings would be finished by now and that I’d be able to claim the losses on my taxes. Maybe next year.

Miscellaneous

side website work → $1,000.00
Clinical Study → $717.80
Vitality Rebate → $450.00
Receipt Hog → $40.00
Mechanical Turk → $40.86
Cooper Vision Rebate $60.00
Class-Action Settlements
- Zoom Settlement → $32.32
- Equifax Breach Settlement → $5.21
- Lithium-Ion Battery Settlement Settlement → $1.96
Quora → $13.10
Total → $2,361.25