In Budget Roundups, Money

August 2020: Expenses Budget Roundup


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

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

THE EXPENSES = $1582.52

My Side Income covered my expenses with $4022.45 to spare

I put all of it into investing. I am going to keep my emergency fund, and use it as a starting nest egg for the $300K I need to find within the next 3 years without selling any investments.

Wait, what about your $300K home in cash?

I was thinking about saving this money into that Home Fund, but I decided to separate the two, so I get the best of both worlds. I invest, and I also save for the home.

I think if I can get a contract for at least 2-ish years during the next 3 years, I should be able to pay it all in cash, or take out VERY LITTLE in a line of credit. I already have about $30K in a line of credit available to me

Expenses In Detail:

Home includes condo fees, insurance and utilities

I put a higher Estimated average budget because I have to pay school taxes next month, so I ‘saved’ the money for this month, for the next.


My partner is finally getting the hint that I want to eat something different / more. So he is buying new food items, and cooking a tiny bit more, experimenting with things like raisin bread.


My first half of the closet is done (you can watch it here), I need to do the other half and will post that soon. I am also doing weekly Youtube videos every Thursday, so consider subscribing to my channel please!

Medical & Toiletries

Nothing spent.


All of it will be posted in my What I bought Roundup posts. I am VERY excited. This week I am posting the roundup of what I have gotten so far, so stay tuned.


I got him language apps for French, and he has been eagerly studying words and telling me in English how they’re the same in English (spelled or said), and vice versa with his father.


August was pretty good.

Favourite: $45 – These Sample Retro Gold Loeffler Randall Sandals

Listen.. it’s really hard to pick just ONE thing I loved from this month, but if I had to, these were it. Loeffler Randall gold flat sandals, size 7, done as a sample piece that never made it to Production.

They’re clearly used, but still have so much life left in them especially if I take them into the cobbler.

Wait until this week’s post, I am going to be talking about What I bought in my roundup.

Unexpected: $13 – Zoya’s Paloma nail polish

I am trying not to fall into my obsessive ways, and to buy every colour in every shade I think I could wear in all the brands of nail polishes, HOWEVER…. this colour Paloma by Zoya in a deep dark purply-berry looks fantastic. I am definitely looking for more organic / natural polishes that are 9-10 free in terms of chemicals, and Zoya is one of those big mainstream brands that has a serious range for any nail polish lover.

Hated: $31.96 – Amazon Prime

I hated this because I AM AN IDIOT.

I forgot to cancel Amazon Prime before it started billing on my card, and when I finally discovered the account by reviewing my statements after a while, I realized I spent $31.96 on a service I didn’t even use. I had signed up for the free 30-day trial to watch a few videos on there but I realized quickly that they don’t have anything I want to watch.

I am going to ask very politely if they can check to see that (A) I never used it and (B) they can refund me the amount. Stay tuned.

Expensive: $487.52 – Groceries

Ok this one is boring but it is the most I spent this month. On food. My partner is starting (on my insistence) to buy more vegetables to try grilling like cauliflower, asparagus, etc. I LOVE all of these so I have been asking him to please branch out from the standard foods because I am getting bored.

I did however, pick up more matcha tea in anticipation – Kagoshima Ceremonial Grade Green Matcha tea.

The colour looks good, and note to everyone who buys or drinks matcha – if it’s very cheap, it’s likely a very strong, bitter, grassy taste and not as delicate or creamy as if you pay more for the more expensive stuff.

Joyful: $6.42 – Gus on the Go French Stories

It is difficult to find well done stories in French for children, and I stumbled across Gus on the Go and am very happy. Each story is about $2.79 but I am happy because Little Bun has been excitedly watching these animated stories, done in perfect French (slow, but not too slow), and perfectly articulated so he can get another voice or “person” talking full-time to him in French. I had hoped this would have happened in school but it isn’t in the cards for this year. 🙁

Cheapest: $1.25 – Parking

I went to a vintage store to check it out, and paid parking. I only got a white men’s Hugo Boss shirt from there for $28.74 and I love the oversized look it gives me.

And I plan on doing a look very much like this one but obviously with a white shirt:

Maybe something like this, when I first started looking for oversized white shirts last year, and couldn’t bring myself to pay almost the same amount for a cheap H&M shirt that I am showing in this shot (I wore a Large to achieve this look):


Spending will be low next month

I won’t be spending as much in September either. I have to come up with a learning plan, and then a schedule to put Little Bun on for the school year, and produce a ‘body of work’ to set aside as proof that my baby does indeed know how to subtract, add, etc.

Planning on finishing my closet this month

I am buying that IKEA Billy bookcase on my own instead of waiting for my partner, and I will finally have a nice, cool wardrobe that is sufficient for the next 3-4 years while we wait to move.

My first half of the closet can be seen here:

Trying to rein in my spending… on nail polishes

I have a bit of an obsessive Collector tendency. I want all the colours of things I love. I will need to try and not think: Oh it’s just $10, and then end up buying more than I can use in terms of nail polish in a lifetime.

I really just want a colour in each ‘category’ of what I’d wear, like red, magenta, pink, berry, burgundy… I don’t really wear nail polishes of ‘outside’ colours, or anything too vampy or dark, as I only paint my toes.


I have a lot on my plate right now. All I can focus on in my control is Little Bun’s schooling and learning.

The other stuff, I can throw money at some of the problem, but it’s not in my control to make sure everyone stays safe and healthy at this point. I feel helpless. So… yeah. Not going to spend much, and will just spend only what is available in terms of credits rather than money out of my pocket.


If you’re interested, I use the following:

  • Rakuten: Use my referral link for $5 in cash to get started – I use them to shop on sites ALL THE TIME.
  • Swagbucks: Use my referral link for 300 Swagbucks to get started; you need 750 to redeem for $10 CAD
  • Rogers World Elite Mastercard – No annual fee, 1.5% cash back, but you can only redeem it yearly and you have to call each year to ask them to redeem the credit against your next year’s statement. I use it for all my purchases as I buy a lot in USD$, and those purchases are 3% 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

Stay tuned for the net worth & investments post!

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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. Dublincalling

    Thx! Have signed up for my library card and Overdrive so I can get books from the library directly on to my kindle. Have not tried it yet since I have a few books I still need to get thru but looking forward to your list. Yeah to more varied veggies and fruits!!

    1. Sherry of Save. Spend. Splurge.

      Overdrive is SO worth it. I’m very excited for this list and for you to discover new books 🙂

  2. B

    Hi Sherry, you may have considered this already but it may be worth hiring a (Covid aware) tutor to come to your home a few times or once a week to spend time with Little Bun, maybe speak French with him or teach him another subject that you yourself are not passionate about. The main goal would be to give you a break, but also for him to have some interaction outside of his parents. Homeschooling is a HUGE undertaking so I have lots of respect that you’re taking it on. When we were locked down in March, April, May, zero schooling happened in our home, none at all. A tutor may just be the ticket to complementing your homeschool plan and could be a win win situation for both your sanity and Little Bun’s social development.

    1. Sherry of Save. Spend. Splurge.

      You’re so right. I should consider this, and I know other parents have been hiring tutors as well.

  3. Dublincalling

    If you like sweet potatoes there is a great sweet potato and red lentil soup recipe I made for my nieces who are vegan which is so good. Recipe found on the Cityline website or just google cityline sweet potato red lentil soup. Also this is the time of the year for great bargains on local veggies. I roast a pan of green and yellow zucchini slices, with eggplant and onions and red and yellow peppers along with some salt and pepper and thyme, olive oil and maybe oregano and then add that to a pasta with a plain tomato sauce or even serve alongside a white fish or chicken. Easy and very colourful. Leeks and butternut squashes are also local and very plentiful now. Two other great soups with those. Leek potato and carrot with or without some shredded chicken and butternut squash soup. Great salads to be made now with various lettuces, tomatoes , various coloured carrots and cucumbers. Also local melons and fantastic peaches from Niagara and local pears and apples have started. Can you tell I love the fall Harvest. 😀 Also try roasting cauliflower with some salt, pepper, olive oil and herbs you like at 400. Ready when nicely browned. I saw local artichokes at the market as well as local cabbages (Napa, savoy etc) those last long in the fridge as do beets. For beets all you need to do is scrub them then roast them and then toss with a vinaigrette of olive oil, thyme, orange juice and some white balsamic and add some almonds for added crunch.
    By the way will you do what I have read this summer? You have introduced me to some great reads!
    Thx for the polish review will have to try it out.

    1. Sherry of Save. Spend. Splurge.

      These are such good suggestions. I need to make this list and send it to my partner because quite frankly, I am starting to get bored to tears of what I am eating every day. I NEED MORE VEGETABLES.

    2. Sherry of Save. Spend. Splurge.

      OH! And you read my mind – the What I read post for this summer is coming up next week. 🙂 In lieu of a Week of Money post (I lost 2 weeks due to stress/fatigue/malaise), I have substituted a HUGE LONG LIST of what I have read thus far, you won’t regret it.


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