In Budget Roundups

April 2014 Budget Roundup = $231,370.37 or an increase of 0.92% or $2112.48

LOOKING BACK

CHEESECAKES AND DOUGHNUTS = THE BENEFIT OF HAVING A BABY

I am trying to lose weight, and my mother goes out and buys me 6 little cheesecakes and doughnuts from Modern Jelly, because I am nursing / expressing breastmilk to feed the baby and in her words: “Need to be fattened up to do it.”

Here’s the lemon one:

Photograph_Food_Pie-Lemon-Cheesecake-Dessert

I already tore through the Apple Crumble and the Blueberry one before I realized I didn’t take a picture. And these two were caramel: Photograph-Cheesecake-Dessert-Caramel-Food-Individual

Photograph-Cheesecake-Dessert-Caramel-Food

NOT GOING TO FEEL GUILTY FOR NOT TRYING TO CREATE A BABY GENIUS

If you read baby articles online, you are supposed to  talk to, sing, rock, cradle, cuddle, breastfeed and basically devote every minute of your day to stimulating your newborn so that he grows up to be some Uber Baby Einstein.

O_o

I am not going to feel guilty for NOT doing that.

Who the hell has the stamina to constantly be trying to build your baby’s brain the minute he’s born?

I went out solo, sans bebe for the first time last weekend and was totally 100% thrilled to not have him.


I felt like I should feel guilty for that, but decided it was a waste of time and ate some cake instead.

I HAVE A LIFE TOO. AND I WANT A CAREER.

NOT TO MENTION THE MONEY.

Oh and he’s getting bigger and fatter.

He kind of looks like this now, and has little sausage-like legs and arms with a double chin.

Connecticut-Beardsley-Zoo-Otter-Pup-Cute-Animal

I AM A BABY SLEEP TRAINING / SCHEDULE BELIEVER!

My goodness what a difference makes, sleep training your baby and putting him on a schedule.

The schedule tells me when he has to sleep (I catch him ready for bed before he gets whiny and fussy), and when he has to eat, although he has his own ideas about when he has to eat (e.g. 6 p.m. instead of 6:30 p.m. ..)

But my biggest news?

He finally slept 7 hours straight.

FINALLY.

I was hearing a lot of horror stories about babies not sleeping through the night until they were much, MUCH older (like 10 months to 5 years) and thankfully this is not the case here.

Sure, he stills wakes up at 4 a.m. because he sleeps earlier at night but I’ll take it over having to wake up every 2 – 3 hours to feed him.

I have learned that I just need to feed him a lot of milk at the last feed to tank his belly up for the night and he sleeps 7 hours straight.

*weeps tears of sweet joy*

I can finally sleep 2-hour stretches again instead of grabbing half an hour here and there.. now if only I didn’t have to wake up and pump milk twice a night as well.

INCOME = $446.92

Didn’t make the $500 mark but hey.. it’s better than $0!

EXPENSES = $613.92

Being with a child limits how much you can spend. My spending reports have been quite boring as of late…

Save-Spend-Splurge-April-Budget-Roundup-2014-Expenses

Save-Spend-Splurge-April-Budget-Roundup-2014-Expenses-Pie-Chart

TOP 5 CATEGORIES OF SPENDING

Save-Spend-Splurge-April-Budget-Roundup-2014-Expenses-Top-Five

SAVED: ON GROCERIES

.. I’m glad we stocked up on staples in the previous months. I’m eating through it like a Hungry Caterpillar.

SPENT: ALMOST $100 ON THE BABY

This is because birth certificates are not free and we ordered both the Long Form and the Short Form.

SPLURGED: ON EATING OUT

I went out (ALONE!) and went to brunch as well as had a lunch. It was so deliciously relaxing to have a break from Baby Bun.

NET WORTH: $231,370.37 or an increase of 0.92% or $2112.48

This is what happens when you save and invest your money on the stock market, folks.

Your net worth still increases even when you spend more than you made in a month, and when you haven’t worked in a longgggg time.

Save-Spend-Splurge-April-Budget-Roundup-2014-Net-Worth

It’s the highest it’s been in my life. WOO HOO!

(Ironic if you think about it.. as I worked a lot before and now I am not working but am still making money and increasing my net worth)

Save-Spend-Splurge-April-Budget-Roundup-2014-Net-Worth-Past-12-Months

I’m kind of happy I converted a lot of my CAD into USD last year because it let me buy U.S. stocks for cheaper (exchange rate is now $1 USD to get $1.10 CAD), and it’s helped my net worth increase.

DIVIDENDS REVIEW:

All my dividends are on a Dividend Reinvestment Plan (DRIP):

Save-Spend-Splurge-April-Budget-Roundup-2014-Dividend

MY 5 FAVOURITE POSTS FROM THIS MONTH:

  1. Would it be better if the government forced us to save 40%?
  2. My journey from $60,000 in debt to $200,000 as my net worth
  3. Men are rich if they wear sweatpants but women are slobs
  4. Negotiating early on for an extra $7000 means 8 years of wealth
  5. Don’t wait to enjoy your life

BEST BLOG FEATURES FROM THIS MONTH:

I am #66 on Modest Money’s list of blogs!

.. and speaking of being on the list for something, I also got interviewed by Mint.com about paying down debt.

LOOKING FORWARD

May will be a spendy month. I have a wedding to attend and we’re getting ready to shift again..

I am planning on trimming my hair, getting a pedicure and practicing my outdated makeup application skills (it’s been quite a while since I’ve worn makeup..)

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Sherry of Save. Spend. Splurge.

Millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using TheBudgetingTool.com. Since then, I have paid my $600K home in cash (my half was $300K), my $180K casr in cash, worked 50% of my career (taking 1-2 year breaks), and quadrupled my income within 2 years of graduating, going from $65K to $260K with an average lifetime savings rate of 50%. I could retire today if I wanted, but love my work-life balance as a freelancing consultant in STEM (Science, Technology, Engineering, Math). I am all about balance - between time and money, and also enjoying my money. I also post daily on Instagram @saverspender.

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22 Comments

  1. The Asian Pear

    YAY for 7 hours sleep! And getting out and having some time to yourself. Also… *drools* cheesecake and doughnuts. OMG! *drools*

    Reply
    1. save. spend. splurge.

      The doughnuts are heavenly. Best I’ve ever eaten.

      Reply
  2. GirlinaTrenchcoat

    Hang on a sec… is that your photo in the Mint article?! Because I’ve just never seen any face photos of you ever!

    Reply
    1. save. spend. splurge.

      No that isn’t me. I didn’t provide a picture, that’s the editor / author who took my interview and posted it 😐

      Reply
      1. GirlinaTrenchcoat

        @save. spend. splurge.: Ahh got it. Ok maybe it’s just me, but I find it weird that the interviewer didn’t tack on a note that says the photo isn’t you, it’s just a little misleading at first. A photo of your site logo would have been less confusing. But anyway, kudos on the interview!

        Reply
        1. save. spend. splurge.

          I know, tell me about it. *shrug* 🙂 If I don’t post photos of myself it means I am not planning on doing one for an interview 😉

          Reply
  3. GirlinaTrenchcoat

    Aww thanks for the shoutout! 🙂 The encouragement is definitely helping me stay on track.

    And your mom is hilarious! “Fattened up,” hehe. My friend’s mom gave her this tea that’s supposed to help replace nutrients and increase milk production, but it tasted foul! I think I’d rather have the cheesecake. 😉

    Reply
    1. save. spend. splurge.

      Fenugreek tea? It’s pretty gross.. I agree.

      Reply
      1. GirlinaTrenchcoat

        @save. spend. splurge.: I forget, it was either fenugreek or malunggay, but yeah.. blech.

        Reply
        1. save. spend. splurge.

          @GirlinaTrenchcoat: Fenugreek is v. bitter..

          Reply
  4. AdinaJ

    I’m jealous you had your baby sleeping through the night at, what, less than 2 months old?! What sorcery is that? 😉

    I’m also jealous of your net worth increases. Ours is about to stagnate for 4 months; did I mention already how much I hate being on EI? Having a lot of overhead sucks at a time like this.

    Reply
    1. save. spend. splurge.

      Yeah just under 2 months. No sorcery! He just.. slept!!!

      Gah. When you go back to work, you’ll be watching that net worth grow and feel a lot better. Being on EI is tough but at least you have the option. I’m not eligible at all! (I also don’t pay into it, so stands to reason..)

      Reply
  5. Mel @ brokeGIRLrich

    You weren’t lying about the Starbucks budget line! ;o)

    Those cheesecakes looks so ridiculously good.

    Honestly, the lack of sleep thing totally freaks me out and ranks very high on the list of why I don’t really think babies are for me. Glad you’re able to get a little more sleep these days. I am also very impressed by any mom that can compare her baby to a beaver(? what exactly is that thing?).

    Reply
    1. save. spend. splurge.

      Nope! I even have one for David’s Tea. That’s how much I love hot drinks 🙂

      My mom is the queen of fattening me up. She overfeeds me, really… Babies in the first month are sleep deprivators.. it got a lot better in the second month. Heading into the third, it’s becoming easier. I can actually think now.

      Not a beaver! It’s an otter. They’re totally adorable and he looks like one to me (at times). 🙂

      Reply
  6. Alicia @ Financial Diffraction

    Man, your mom is making me drool. When you mentioned all the treats she was buying you on twitter, I never realized they’d look so yummy 🙂

    I cannot wait to have enough of a nest egg to see those increases even with having more expenses than income. That’s definitely a nice goal to have. 🙂

    And congrats on the long stretches of sleep you’re getting with the little one!

    Reply
    1. save. spend. splurge.

      She’s a feeder. Can’t help herself. 🙂

      I think it’s once you hit about $100K that things start rolling on their own.

      Thanks! This is all him and his belly, nothing to really do with me.

      Reply
  7. Liquid

    Those desert pictures made me peckish 🙂 My favourite desert is Crème brûlée 😀 Pretty impressive how you are able to juggle the little guy while still increasing your net worth 🙂 My co-workers who go on parental leave always dig into their savings in similar circumstances. But since most of them don’t have the pile of investments you’ve prepared all those previous years, their net worth always goes down during their time away from work.

    Reply
    1. save. spend. splurge.

      @Liquid: I LOVE creme brulee. Not as much as macarons or cheesecake but it’s up there.

      Yes he’s tiny and taking up a lot of time and energy but that doesn’t mean I’ll neglect my finances.. that said, there’s not much to do. It’s passive investing. I put money in, sit back and wait. That.. and I try my best to control my spending these days..

      Reply
  8. Clarisse @ Make Money Your Way

    Oh, I remember when my daughter was still a baby, I breastfeed her for 1 year and six months. Time flies so fast, she’s now on her grade 2 already! Just enjoy every moment with your cutie baby.

    Reply
    1. save. spend. splurge.

      @Clarisse @ Make Money Your Way: I’m trying to! 🙂 For as long as I can stay awake and not be exhausted. He seems to like an 11pm bedtime these days which is driving me nuts.

      Reply
  9. MelD

    Glad things are settling down with the babe – like sleep! That may shift and change some, or he may just continue on that way… my grandkids have phases where they sleep till 8 or 9 am (bliss!) and then others where they arrive at my daughter’s bedside at 5 am brightly chiming “I’m awake!”… LOL They are in bed around 7.30-8. When my girls were young, bedtime was always 8 so that we had time for ourselves in the evening. Worked for us.
    I love otters 🙂

    Reply
    1. save. spend. splurge.

      @MelD: I’m trying my best to get him to sleep at around 7:30 pm or so for that exact reason — TIME TO MYSELF! 🙂

      Otters are super cute. They even hold hands while sleeping.. it’s so adorable.

      Reply

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