Want to spend money but not feel guilty about it?

You’ve come to the right place.

Want to live with less, but not feel deprived?

That’s all here too.

I can help you live a richer life and it’s not always going to be only about money.

Save for your future.

Spend on what’s important to you.

Splurge on what you love.

Save and spend your money where it matters.

My whole motto is this:

Hit your money goals and then do what you want with the rest of your money.

Save it. Spend it. Retire. Whatever.

Whenever you’re about to buy something, you only need 3 questions to ask yourself:

1. Can you pay cash for it?*

2. Did you or will you still hit all of your money goals?

3. Do you love it?




I got out of $60,000 of debt in 18 months with The Budgeting Tool which I now sell online and donate its net proceeds to charity.

I currently have a net worth of over $950,000 a decade and a half later. You can browse all of my monthly and yearly budgeting roundups here.


With The Investing Tool, I have built up my considerable net worth of almost a million to pay for my $600,000 apartment and my $180K+ car in cash to be completely debt and mortgage free in my early 30s. I haven’t paid for a single item on credit since I cleared my student loans.

http://www.theinvestingtool.comI earn like a princess but try to live like a duchess instead, because I am aiming for a high savings rate, which is around 86% these days. I reached work-optional status at age 35 which means I no longer rely on my job to pay the bills any more and could retire today if I wanted to. My 11 side incomes (and counting!) are also enough to cover my expenses and then some.

I make on average $20,000 a month when I work, and the rest of the time I chill out and travel, although traveling has been on hold lately with the recent arrival of Baby Bun (now Little Bun), my rambunctious, ever-hungry little boy. (This is sometimes at odds with how much I love to shop, but I am working on that because nobody’s perfect.)

I have started a series of books called “Like a Boss” and am always adding to it:


Our net worths are tracked monthly here.




On Save. Spend. Splurge., I discuss how I build wealth and I would rather give you tips on figuring out your own personal path to riches than to try and force you to follow what I did.

Lastly, not all wealth comes in the form of money and although money helps, it isn’t everything or the only thing you need to feel wealthy.

Style and fashion has a bad rap for being in the domain of the vain & frivolous, but actually affects our lives and our money in a lot more ways than we think. 

For more insight of Money meets Style, read: Style Bloggers <3 Budgeting (Sherry)

I still stand by this statement because it is very true for many:

You can make more money and live a richer life by spending some time and a little effort on your appearance.

You could earn a higher salary and be more respected just by the way you dress and how you appear to others.

As a practical (not militant) minimalist who only spends on and keeps what I love, it really sums up what this blog is really all about at its core – helping you figure out your priorities in all aspects of your life. Minimalism is a mindset.


  1. No one should be more interested in your money than you
  2. You shouldn’t be dependent on anyone financially; be interdependent
  3. Only you can make your own choices (and mistakes) with your money
  4. Becoming wealthy is earning like a princess/prince but living like a pauper
  5. A net dollar saved is two (gross) dollars earned
  6. Compounding interest & time are your money’s two BFFs.
  7. Retirement is not a right — it’s a privilege you save your money for
  8. Your intellect is the best money maker and asset you’ll ever have
  9. Hard work matters: I’d rather be stupid and hardworking, than smart but lazy
  10. Money isn’t everything, but it sure is a necessary part of everything you do in life


  1. Favourite day? Payday of course.
  2. I hate wearing shorts of any kind. I own two pairs. One to lounge with at home, the other because they were belted.
  3. Currently obsessed with (true) matcha green tea lattes
  4. I sleep on a Japanese futon on the floor.
  5. I have a fear of being late for anything, and therefore am always 10 minutes early to any appointment.




You can ask me anything here (anonymously) and I’ll answer it!


Lastly, I also offer consultation time if you feel like you need individual help:


Finally, you can read a little more about me below:

…and feel free to contact me at any time for any reason.

Disclaimer: All information provided on this site is for informational and entertainment purposes only. Save. Spend. Splurge. makes no representations as to the accuracy, completeness, suitability or validity of any information on this site and will not be liable for any errors or omissions in this information or any damages arising from its display or use. I am not a trained or certified financial advisor or accountant, nor do I claim to be one.

  1. www.livetolist.wordpress.com

    I think we can be friends :p I’ve been thinking about listing my favourite shows, and you’ve gone and DONE it… I must try and watch some you suggest.

In a nutshell…

Save. Spend. Splurge.
[ wealth. style. minimalism. ]


MOST DEBT: cleared $60K in 18 months

MONEY: Hit $1M personal net worth At 36

NEW GOAL: $1M in invested assets


HATES: being late & lazy people

SOCIAL: Instagram @saverspender

DRINKS: homemade matcha lattes

SLEEPS: on a 100% cotton U.S.-made futon

WRITES: Books (also available on Amazon).

BEAUTY: swears by Paula’s Choice


…but you can read more about me , browse my index of posts, or get in touch with me, talk to me directly on Instagram, and of course, ask me anything here.

$35 The Wealth Building Tool

Like a Boss Library (Sherry’s Books)

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Save. Spend. Splurge. uses affiliate links from Shopstyle, and Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com or ShopStyle. In addition to these, any referrals on the page will result in revenue if used such as BlueHost.

In English: If you click on a link, I could get a small commission, typically a few cents. And if you use a referral code, I could get anywhere from $10 – $70 for it. Thank you for your kind support!

Also, I am not a professional investment advisor or money manager by any means.

I am just a woman who loves money, talking about money, and making money.

All opinions expressed on this blog are personal and for entertainment value. Take them with a grain of salt and always consult a professional when in doubt.