In Budget Roundups, Money

August 2015 Budget Roundup = $457,373.41 or an increase of +$15,404.72 or +3.49%

LOOKING BACK

August was.. OMG. I spent so much money you have no idea.

Basically when I get stressed, I shop.

Stress = Shop

….and I shop online mostly anyway, so Etsy is my drug of choice. *sigh*

Here’s if you want to know everything I bought this month.

I need to find another outlet for stress other than eating and shopping. Getting expensive on the wallet, to the tune of about $2000 this month.

O_o

INCOME = $20,678.23

  • Mostly from my day job
  • I make a minimal amount (read: under $50 a month) from blogging

EXPENSES = $11,164.76

Surprisingly, my expenses were high but my net worth still went up a good chunk anyway.

Yes! Investing!

Ahem.


Here’s if you want to know everything I bought this month.

save-spend-splurge-budget-roundup-august-2015-expenses

save-spend-splurge-budget-roundup-august-2015-expenses-pie-chart

 

TOP 5 CATEGORIES OF SPENDING

save-spend-splurge-budget-roundup-august-2015-top-5-categories-of-spending-expenses

NET WORTH: $457,373.41 or an increase of +$15,404.72 or +3.49%

save-spend-splurge-budget-roundup-august-2015-net-worth

 

This is what it looks like from the past 12 months..

Can’t complain.

save-spend-splurge-budget-roundup-august-2015-net-worth-past-12-months-trailing

..AND LOOK! BABY BUN HIT $10,000!!!!!

save-spend-splurge-budget-roundup-august-2015-baby-bun-net-worth…. but the markets have not been as nice to Mommy or Baby Bun

🙁

 

DIVIDENDS REVIEW:

I haven’t posted this in a while so here’s what I am earning each month in dividends:

save-spend-splurge-budget-roundup-august-2015-dividends-assets

LOOKING FORWARD

To a fresh start in September?

(HAR HAR…)

No really. I am going to look forward to Autumn, wearing boots, relaxing, not sweating and my absolute FAVOURITE season of the entire year.

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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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August 2018: The Net Worth and Investments

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20 Comments

  1. Suz

    I’m confused. How is your net worth up 15k when income – expenses netted you 9.5k but your investments took a hit?

    Also, any advice on what to invest in?

    Reply
    1. save. spend. splurge.

      I didn’t count in my income, accounts receivable. I have about $20K in A/R from my business that isn’t “income” from this month because it isn’t realized.

      Index funds. My Investing Series is also here.

      Reply
  2. Revanche

    Ok, I’m going to need to see this diaper bag because most of that spend can’t have been on butt cream 🙂 Also I wish it was a bit cheaper to ship things to you. We have a whole tube of good butt cream that we never use because LB just doesn’t need it – I could have sent that over! Or does that include childcare now, too? We’ve been taking childcare estimated costs out of our budget for months now and I’m seeing it squeeze us a bit. Good thing it’s automated and we haven’t had to spend it yet.

    Reply
    1. save. spend. splurge.

      It was this waterproof tote!

      That amount also includes Childcare now. Forgot to add that in there…

      Reply
  3. Sarah

    I would definitely keep the yoga & cut down on the shopping. If you don’t like the existing class, change it it or have a look at my blog as I’ve posted a couple of great yoga. Apps to try at home

    Reply
    1. save. spend. splurge.

      I have to lose the yoga because it is during my work lunch hour and I have meetings back to back all day on the day it’s scheduled…

      The shopping bit can be controlled if I just don’t go into shops 🙂

      Reply
  4. Jessica

    Wow, this is all very impressive. I know that if I started to document my expenses etc. just like you, I would save a lot more money every month. We’re doing a pretty good job, but still spend too much on eating out and groceries :s Now to only get started…. Haha.

    Reply
    1. save. spend. splurge.

      You should try budgeting. I have a budgeting tool I sell and donate the proceeds to charity to.

      Reply
  5. Jenn

    Very random question. What phone provider/ plan do you use to only pay 38.99 for a cell phone in Toronto?! That’s a steal!!

    Reply
    1. save. spend. splurge.

      Virgin Mobile, basic plan, 50 minutes 🙂 It’s a grandfather plan from …2012?

      Reply
  6. Cassie

    I gotta ask, why are you taking a yoga hiatus? It seems like it would be a good stress substitute for shopping and eating out?

    Reply
    1. save. spend. splurge.

      It’s $110 and I keep missing the class which I can’t make up because I have meetings during that time. It’s during my lunchtime at work.

      They also made the class some weird yoga hybrid instead of just being YOGA.

      Reply
  7. The Asian Pear

    I eat when I’m stressed so I hear ya. That being said, your networth is still rising so… YAY!

    Reply
  8. ArianaAuburn

    Have you considered playing video games on a computer instead of shopping? I’ve found that gaming distracts me from any opportunities to shop.

    Reply
    1. save. spend. splurge.

      I have thought about it.. but I get addicted to things easily. I might want to redirect my efforts into watching videos to calm down and blogging instead I think. I’m trying that this month.

      Reply
  9. Ramona

    Wow, now these are some interesting numbers 😀

    In our case August was pretty slow, we did spend a bit more (went for a week’s vacation at the mountains), but it’s still OK. Autumn should bring in more clients for us and, hopefully, more savings

    Reply
    1. save. spend. splurge.

      Yeah I’m pretty pleased with them. It was a lot of spending I did this month so I am not surprised my net worth increase is so low..

      Reply

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