[member=856]gembaxter25[/member] it's definitely NOT too late to join - the lovely [member=277]Chammy[/member] will add you to the list of challengers
There are no hard and fast rules really, but the basics are...
1. You can count whatever you want.
2. You can count it as it comes in OR as you earn it. For example I will count when I receive payments but other members may put down individual surveys or things that they have earned on a website.
A lot of people who start off with the challenge think that they won't be able to make the sort of money that others do but in time it soon starts to happen for you and you can see what works well for others by reading through the threads
I run the challenge on alternate months with Chammy and we don't dictate what anyone can include
As long as you're making money you can include it
You can include online earnings, offline earnings, overtime from work, overpayments back from bills, money saved, it is really up to you what you want to include
If you've made money and it has helped your life it is great to be able to boast about it somewhere without judgement
Best of luck to you!