In Budget Roundups, Money

April 2020: The Net Worth

Note: All the graphics you will see below, and charts, were made with

All net proceeds go to charity! (Always and forever.)

This month for April, it was The Canadian Red Cross. For May, it will be a new charity.

Sherry’s March 2020 Net Worth

It is a little better this month, but not great. O_o At least I got back into the $900K range.

Or an increase of…
-$40,045.95 or 4.37%

This is how I invest half of money in the stock market and the other half is split between alternate lending (Lending Loop review here), and mostly in dividends (here is my dividend short list of stocks I was looking at to buy for Canada and the U.S.)

The Net Worth Breakdown in Detail

To recap… I made almost $100K so far this year, and my net worth is still down $11K from when I started. O_o

At least I recovered the bulk of it?

April 2020 Savings Rate = 82.64%

Not. Too. Shabby.

My yearly savings rate is also pretty good, on average at 88.29% (last month was great, saving over $30K in March).

Goal: ???? in net worth

Who bloody knows? I just want to try and hit $1M but unless everything magically restores itself back to February’s state, this is very unlikely.

Aiming for 2021 instead.

Net Worth Year in Review

So not bad. Not great either. I am lower than where I was at the end of January… so that sucks, but at least I’ve regained a little?

*sobs for her $1M net worth goal…*

At least, we can look back at 2009 and see that 10 years ago, I didn’t have a lot.. I was $60,000 in student debt, to be accurate.

And now, I am kissing the $900K mark due to the depressed market, but $1M is not that far away for me.

As long as the trend is up right!?

My savings is rock solid still as a percentage!

I mean it isn’t $30,000 but it is still $5000 right? 🙂

Maybe I should aim to get my side incomes up to be 5-digit savings as a future goal 😉

..but so are my donations to Canadian Red Cross

April 2020 = Donated $1668.79

I donated out of my personal income earned: $689.82 to the Canadian Red Cross, and the 100% of the net earnings from sales of was $978.97 this month, and went to them as well.

All net proceeds go to charity! (Always and forever.)

Thank you to ALL who purchased the tool, and I would appreciate any feedback/reviews because it helps others know that I have this for sale & I can write a bigger cheque next month.

Next month – May – I chose Sick Kids Foundation because it really hits home as a mother, how much they must be going through and any little bit helps.

It hurts me seeing how sick they are, the stress their parents are under. I CANNOT imagine Little Bun in those circumstances. It hurts me to even read about it, so to alleviate the pain, I am donating.

If you are interested, my money is parked here:

  • EQ Bank: 2% now.
  • Tangerine: Use my Orange key { 32726976S1 } for free money ($50 once you deposit $100; and I get $50 too) — At 2.74% until June!

…cashback sites and cash-earning sites for surveys:

  • Rakuten – I use this site ALL THE TIME when I shop online, and thus far have racked up $750 in cashback in 3 months. Use referral link here [ ] for a free $10 to get started.
  • Swagbucks: Use my referral link to get 300 Swagbucks but only once you earn another 300 Swagbucks doing surveys etc within the first month. You need only 750 swagbucks to redeem it for $10 from Paypal. I made about $60 a month on average clicking on surveys while on conference calls, etc.

It is invested here:

Little Bun’s April 2020 Net Worth
Or a decrease of…
-$23.21 or -0.07%

Poor baby.

I invest for Little Bun and this is how I invest his money in the stock market and I stay true to it, but times are rough.

Here is a list of personal finance books you might want to get started with, and about the same set for us Canadians.

Still, he is doing well. I mean, what 6-year old out there has a $30K net worth? (I mean without super rich parents or something… this is all of HIS money from the government and also from investing returns).

Little Bun’s investments are located here:

Questrade: Use my QTrade referral { o0soehds } for $50 in free trades (this is how you buy & trade on Questrade)

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Sherry of Save. Spend. Splurge.

Am my own Sugar Daddy. Am a millionaire at 36 after getting out of $60K of student debt in 18 months, a little over a decade earlier, using I have 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 have 11 side incomes that are on track in 2020 to make me $50K - $75K. 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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  1. Heather

    I follow you on Instagram, that’s how I found your blog. I’m just so inspired. I’m In the Uk. I’m just started my journey to get rid of my mortgage. I’m extremely late to the party & I earn a quarter of your original debt. But everyone has to start somewhere right? It’s never too late.
    I shall catch up on your blogs with interest & learn as much as I can from you as I’ve just started blogging too but I have a lot to learn. Thank you so much.
    Looking forward to learning & achieving.
    Well done for all your achievements! You’ll get your million, no problem. 😊

    1. Sherry of Save. Spend. Splurge.

      Thank you very much for the kind words and encouragement — I’d encourage you too, because I had zero financial literacy when I started, and it was a learning process and curve for sure.

  2. Susan

    Little bun’s net worth is impressive! Will he be able to access this money when he turns 18 or is of voting age? I’m sure you’ll make it to millionaire NW soon when you put more time in side hustles or rental properties.

    1. Sherry of Save. Spend. Splurge.

      He will get the full range of the RESP (education plan) when he turns 18 to go to school. I have half of his money not invested at all, and in cash, because I only do a max $2500 a year to get the maximum yearly 20% from the government which also has a max (I am slowly dragging out the contributions to get the most money possible for him). Anything leftover, will be his in cash to do as he wishes. I am hoping to do more with him in letting him eventually take over his accounts as he gets older – I have a whole post coming up on this!


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