In Budget Roundups, Money

April 2019: Income & Expenses Budget Roundup

THE INCOME = $26,279.35

Day Job: $24,144.75

Day job .. is my day job. It’s what I earn each month, working 40 hours a week. Nothing to see here. Boring.

Anyway.

Blog: $1067.30

Advertising: $608.59

Affiliate: $281.40

Products: $177.31

Save. Spend. Splurge. Products sold, include:

https://www.savespendsplurge.com/products

INCOME GOALS FOR THE NEXT MONTH

I am not staying. I am leaving my contract when it ends and not accepting extensions.

I need to do it. Sure, I could make more money, but I am not a freelancer to become a slave to a company who doesn’t respect my skills, treats me like I am disposable.

I cannot do it. I need a break, and I am taking the summer off. YAY!

SUMMER WITH LITTLE BUN AND FAMILY!

I will be enjoying every day and minute until he is parked in preschool and he starts his educational journey of being a little boy, and no longer my baby. Things are going to change very quickly but I want to be present for all of it.

So, long rambly story short — I am out of cash quite soon. *shrug*


I will have to cut back significantly on my spending, but I am obviously still going to enjoy life, just a little more cautiously.

I have about $150K in ready cash for my business and myself, so I should be fine for the next two years or so (generally how long I take breaks for…)

If you are interested, my money is parked here:

  • EQ Bank: Good, general 2.3% high interest savings account; subject to change
  • Tangerine: Use my Orange key { 32726976S1 } for free money ($50 once you deposit $100; and I get $50 too)

…credit card extra rewards cashback savings here:

  • PayTM Canada and PayTM USA is also how I pay my municipal taxes, utility bills and so on with my CREDIT CARD (yes!! TO GET CASH BACK) plus I earn PayTM points for Amazon, Starbucks gift cards etc… Use my referral code [ PTM210713 ] for a free bonus 5000 points ($5 gift card)

…and invested here:

THE EXPENSES = $4547.17

If you’re interested, I use the following credit cards:

  • PayTM Canada and PayTM USA is also how I pay my municipal taxes, utility bills and so on with my CREDIT CARD (yes!! TO GET CASH BACK) plus I earn PayTM points for Amazon, Starbucks gift cards etc… Use my referral code [ PTM210713 ] for a free bonus 5000 points ($5 gift card)
  • Rogers World Elite Mastercard – No annual fee, 1.75% cash back, but you can only redeem it yearly and you have to call each year to ask them to redeem the credit against your next year’s statement. I use it for all my purchases as I buy a lot in USD$, and those purchases are 4% cash back (almost like a no forex fee in essence)
  • Tangerine Mastercard – No annual fee, 2% back on certain categories (up to 3). For their savings accounts, use my Orange key { 32726976S1 } for free money ($50 once you deposit $100; and I get $50 too). I give this card to my partner (he has a joint card) and he uses it constantly.
  • I used to have the MBNA World Elite Mastercard but they increased the annual fee. That was disappointing, they used to give 2% back on everything.

So.. about expenses

Once I started with one gorgeous, normally $75 USD+ Stella & Dot Cuff, I started buying all of them. They are STUNNING.

Gorgeous, lace cuffs, large, and my favourite thing to wear during the summer with dresses and jangling all over the place.

These cuffs are Stella and Dot Chantilly Lace Cuff retailing for $99 USD:

https://shopstyle.it/l/2USu

I scored this particular cuff for $12.50 USD USED on Poshmark. YES. UNDER $13.

HOW COULD I SAY NO?

(I couldn’t,)

And this is the crazy expensive cuff dipped in 18K gold gorgeous, way too expensive USD Aurélie Bidermann cuffs…version

https://shopstyle.it/l/2UUb

I normally love the real thing, but for jewellery, if I can get a similar look for much cheaper especially SECONDHAND, I am not going to be a snob about it. I get a similar look, I don’t have to be so precious when I wear it, and jewellery is not like fabric / clothing where I NEED it to feel luxurious on my skin or to fit and drape perfectly.

Jewellery for me, is fun, and costume.

That accounts for my $533+ expenses (yes, cuffs).. and that I bought that same J. Crew linen blazer again but in a larger size (6) because I was dumb and bought the wrong size, and I want a larger size to fit my shoulders, so here we go. Size 6.

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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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6 Comments

  1. JamesB

    Hate to break it to you ..but your little bun will always be your little boy!!!

    Reply
    1. Sherry of Save. Spend. Splurge.

      I know. He will always be my little baby. I’ll always remember how small and furry he was…

      Reply
  2. GYM

    Awesome you get the summer off!

    I think you can redeem the Rogers Bank rewards anytime now, they recently changed it.

    Hmm this Lending loop business sounds intriguing.

    Do you guys pay your property taxes and utilities with credit card? I recently got into using Paytm and love that we can get credit card points when normally we have to pay through the bank.

    Reply
    1. Sherry of Save. Spend. Splurge.

      Yes, summer of Sherry.

      I do redeem the rewards but it is annoying. They should just do it automatically.

      Lending Loop — VERY cool. Look into it with my referral, I have 12% right now

      I can’t seem to pay in Quebec with my card. That would be perfect though…

      Reply
    2. Sherry of Save. Spend. Splurge.

      No wait! They say:

      Due to regulations surrounding the transference of funds in Canada, these are currently the only payable bills in Quebec:

      Property tax
      Internet
      Mobile
      Utilities
      These bills are currently not applicable for payment in Quebec:

      Credit Cards
      Income Tax
      Insurance
      Education
      Rent
      Liabilities
      Securities

      Reply

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