In Budget Roundups

December 2013 Budget Roundup = $217,275.17 or a decrease of -($914.10) or 0.42%

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*sigh* I am not looking forward to childbirth. Who does, anyway..? Other than the motivation of having to get through it to meet your new baby, it is not something I am eagerly anticipating.

I mean the description I am getting all around “imagine squeezing something the size of a grapefruit with shoulders out of you….“, not to mention the actual pain and bruising that comes with the epidurals (yep, DRUG ME UP IF YOU CAN), and then recovering from having a grapefruit with shoulders come out of your… you know.

Kind of wondering how Michelle Duggar did it 19 times and still wanted to go back for more.

I was also told my baby is measuring on the small side.

Was this not a good thing? Apparently not. I lost 2 pounds this month. The nurse was not happy with me, but I had no explanation.

This freaked me out, but then again.. I am small to begin with and it is hard for me to put on weight, so it stands to reason.

This conversation between my mother and I made me laugh the other day:

My mom: Be prepared when the baby comes out. They won’t look like what you’re expecting.

Me: I know that already. Newborns are hideous.

They won’t be cute until after the first month. They kind of look a bit like wrinkled aliens. I’m ready!!

AdinaJ‘s tweet to me also made me laugh:


I did not sleep a wink December 21st 2013.


Because we had JUST gone out and purchased about $300 worth of Christmas food for our Christmas week of feasting (yes a week, we are too greedy to keep it to just a day).

… so when the electricity went out at 3:30 a.m. in the morning of December 22nd 2013 because it was raining so hard, I didn’t sleep at all after that.


All I could think was:


We just spent $300 on delicious food to cook and now it will ALL BE RUINED AND ROTTEN IN THAT #%@#%( FRIDGE.

*stressssss* *toss* *turn* *freak out*

Why the EFF do we not have the fridge on a backup generator!?

Then I fell into an odd half sleeping state where I was walking around outside totally naked, and no one cared.

(I blame the baby hormones.)

Woke up to a working fridge and electricity.


All the rain from the night before froze into 1″ sheets of ice, covering trees, sidewalks, you name it.

Couldn’t even open the front door, it was frozen shut in a thick coating of ice that looked like this:


Epic Christmas feast pictures to come in a later post.

Am also thinking of buying this for the next time because I can’t stress like this any more.


Well except for this one because it’s inevitable:

Meet newborn baby and try not to screw up baby’s future and life as a new parent.

I do have a shopping challenge coming up but it’s not a goal per se. It’s a challenge to see if I can do it, but it doesn’t mean it is set in stone and I will cry in December 2015 if I don’t achieve it.

What’s the point of a goal for 2014, really?

I have no guaranteed income coming in, expenses will stay pretty much the same (actually, they’ll probably drop as my emergency fund dwindles down).

See, I had such good goals for 2013, but couldn’t force a contract out of anyone (many companies were waiting for economy to improve and holding off on projects) so I ended up making $0 from my real job this year.

With baby on the way, I have a no travel advisory on my body and as a consultant, this is a no-go.

So yeah while I will casually try and hit $250,000 as my net worth, I am not going to bother setting any money, career, or whatever goals. I never meet them anyway, I just do what I want.

Why lie to myself?

INCOME = $501.67

EXPENSES = $2142.51

I think this may be the lowest I’ve seen it so far this year. This means … this is actually doable. Shocker.





I am so proud of myself, you don’t even know.

My RENT made it above WARDROBE this month.



Who says Boxing Day is for chumps?

We got an additional $50 reduction on the Dyson Hot + Cool fan we bought last month, AND bought another one at that super low price for Baby Bun’s room.


After stalking this particular cutlery set made in France, we jumped at the chance and bought the 8 sets we needed this month.

Cost us a pretty penny (around $60 a set) but it was cheaper (MUCH CHEAPER) than had we just bought them when we saw them.


Food pictures to come (as mentioned above), but we had a lovely Christmas feast. Baby Bun was very happy.

NET WORTH = $217,275.17 or a decrease of -($914.10) or 0.42%



(Update (Jan 10th 2014): Numbers are in the table and net worth corrected. Big thanks to reader Anon for catching the error! Much appreciated.)


All that matters to me is that from January to now, my net worth has gone up despite the fact that I did not work the entire year and then traveled for a few months to Europe to boot.

….while spending like a crazed rockstar.


Look! My January net worth was so low that my December net worth looks positively sexy in comparison.

Low expectations = Awesome.


DIVIDENDS REVIEW = $136.26 last month!

I’ll do something more comprehensive in my Yearly Roundup, but this month I earned in about $136.26 in dividends last month (November 2013) which were re-invested back into buying more stock.

Since Questrade does not issue statements until the middle of the following month, I will not have current / final December stats until later on this month, in which I will just post them in my Yearly Roundup.


  1. When should a woman have her first baby?
  2. Let’s give those generous rich folks a break, OK?
  3. What my father learned growing up about money
  4. What it costs to buy a home versus renting one
  5. How I reached a No-Gift Minimalist Holiday


Made it to Nelson’s super picky Top 10 Best Links of 2013 with my post on how I made thousands of dollars from virtual money online, and he also liked my rather detailed post on renting versus buying.

Makin’ the Bacon very kindly listed me as one of her 4 top blogs with interesting content. *touched* Considering that I myself ranted about this already, this comes as a great honour!

I’ve been outed by Anna for being a reading fiend. Guilty as charged.

… and this is such a sweet mention from Tiny Apartment Design. Thank you! I’m pleased to be part of your circle too 😀

Also, Charles of Getting a Rich Life has likened me to his online wife because this post I wrote. Mission accomplished! I have officially made it, y’all.

Living Rich Cheaply was shamed for his frugality for not getting his wife a gift (he caved), but at least he was inspired by my No-Gift Minimalist Christmas. I say if you get a gift, get a gift of food..!

omkspeaks talks about New Year’s resolutions in this post inspired by my post about how people suck at keeping New Year’s Resolutions.

I was nominated the award of Sisterhood of the World Bloggers by Simply Save. Thank you!

My 7 things about myself

  1. I can’t really stand to be idle. I mean I take a lot of time off from my real job (freelancing) but in between contracts I’m still working and blogging. Case in point? I have 2 years scheduled on this blog already. I am good until December 2015 as of today.
  2. I really really hate eating slimy food like okra and eggplant. If you prepare it well, I can eat it, but otherwise, it’s just ..ick.
  3. I hate Greek food. Sorry, had to throw that in there even though it’s another “food” thing.
  4. I had 3 businesses started when I was a kid. I ought to blog about this. *makes note*
  5. When I like music, I notice that I only like it if it has a catchy beat or melody. I care less about the lyrics or meaning.
  6. I play three instruments but am only really proficient in one if I am to be honest (I don’t practice the other 2)
  7. I hate wearing shorts and the colour orange in clothing


  • Carnival of Personal Finance #432 Money Life & More Edition
  • Carnival for Young Adults via Stepping it Down
  • Carnival of Money Pros


HELLO 2014!

I’m pretty excited for 2014.

It will be an epic year already, because I will get to meet my new baby and try my best not to screw up as a parent.

That’s pretty much all I am looking forward to, and that’s more than enough for 2014.

YAY! BABY! 2014!!

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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. Sally @TinyApartmentDesign

    Thanks for the mention! You’re a standout blogger, love seeing what you come up with. Excited for you and the bun! OK, I’m curious about your rent, $600 for two of you? Studio? Basement? Shared?

  2. SarahN

    I like your idea to share surnames if you don’t marry – I think that makes teachers etc lives so much less awkward and easier. IN a way, that’s a major thing to me, so now I feel ‘happier’ with your decision not to marry, which you have mentioned.

    Re: food spoilage. I turn power off for a living (for maintenace, not unpaid bills) and we advise that food in a closed fridge will last at least 8 hours, and freezer, even longer. Interesting the number of people who try to claim for $100s of fresh fish, which they never win, cause we always warn them of an outage. Plus, in a particular instance, this guy had bought so much food and then been away for a month – a little fishy to me!

    Re childbirth, I was reading this yesterday:

    Also loved the video about using the right words!

    1. save. spend. splurge.

      Yeah! I am thinking after the baby is born I will go and get my last name changed to his. *shrug* I don’t want to go through the actual marriage or have a wedding, and this way I get the best of both worlds.

      Oh that is good to know that food in a closed fridge will last 8 hours. I am making a note of this so I don’t freak out for the next time this happens. 🙂

      I SAW THAT ARTICLE ON THE HOME BIRTH! I was kind of grossed out by it. I actually tweeted about it too.

      1. SarahN

        @save. spend. splurge.: Ah sorry, I’m a twitter virgin. Well I’m not, but after I got emails saying my personal account was hacked, I just couldn’t be bothered!

        You’re going the hospital/drug route, so it’ll be way nicer, one hopes!

        1. save. spend. splurge.

          @SarahN: Twitter is not for everyone for sure 🙂

          I am definitely hoping the hospital / drug route will work out. Otherwise I am open to other options but I don’t want it to put me off having more children

  3. anon

    Your title and net worth (above the table) are incorrect.

    1. save. spend. splurge.

      I always put my current net worth in the title. December 2013 was my budget roundup. I haven’t done my yearly one.

    2. save. spend. splurge.

      Oh! I’m sorry I read “title” and thought you meant post title 🙂 I’m fixing it now. Thanks for the catch!

  4. Cash Cow Couple

    Wild times in your life, but that’s not much of a decrease at all for no work over such a long time period. Europe sounds awesome… I’ve never been out of the freakin USofA…

    1. save. spend. splurge.

      Well my net worth is up overall since last year 🙂

      Do you want to go to Europe? Europe is a nice place to visit but you do need to save to go there ever since they introduced the euro. 😐

  5. Charles@gettingarichlife

    I’m a deadbeat online husband. Happy 2014!

  6. Tania

    Well, that settles it. I guess you won’t be going to eat Mediterranean/Greek moussaka and baba ganoush with me while wearing cutoffs. I’m very disappointed but hey, more for me. Are you sure you don’t want to rethink the eggplant aversion?

    Our fridge broke in the middle of winter when I was on a tennis trip (that’s right, you heard me tennis in the winter in Texas, freaking cold but no snow), we just threw everything into a cooler with some ice (that didn’t melt because it was so cold).

    Happy New Year by the way! I agree, no goals. Just focus on getting through baby’s first year.

    1. save. spend. splurge.


      I will try it (I am an adventurer when it comes to food) but I am not sure I will enjoy it 🙂

      Ironically the butcher shop had its fridges on the fritz recently and we joked that it was probably cheaper to put the meat outside (it was -20C at the time) than it was to try and keep it in the back…

  7. CorianneM

    Congrats on wardrobe not being #1! 🙂

  8. Tracy

    Hi Mochimac, wow I cannot believe your low wardrobe expense. What with all the black friday and boxing day sales??! Crazy but impressive.

    A question I have, your baby daddy works also as a consultant, yes? So presumably he makes around what you do when you are working, ($100 – 300K a year depending on contract) which is more than enough to support a family of 3.

    I can’t help but ask, since he’s working, why doesn’t he take over more of the expenses instead of it coming from you? (who is not working) I’m talking about at least rent, groceries, and household equipment. Or does he also only work a few contracts year like you did … in either case, you ARE pregnant … he should provide!!!!

    1. save. spend. splurge.

      Well I avoided the stores during black friday and boxing day for clothes. I focused on the baby and the home.

      Yes! My partner does work as a consultant like me.

      I actually am glad you asked that question — I do not want him to pay for my half of the expenses. We don’t spend that extravagantly, and I am able to work after giving birth this year, so what we do is split everything 50/50, but even for household tasks.

      He does all the cooking, prepping, organizing.. he’s truly a partner not just for providing and I am not comfortable with him supporting the 3 of us when he doesn’t have to.

      I’d rather keep everything equal. For me, having someone else pay for me would be giving up a bit of my independence as well.

      Furthermore, when I do work, he may be off and not working, which means he will be taking care of the baby 24/7 while I am on contract, so even though I am pregnant and carrying the baby for 9 months it doesn’t really change anything for me except that I can’t work right away.

      1. Tracy

        @save. spend. splurge.: Fair enough, I wasn’t sure if his consultant work was the same as yours or if he was more of an office consultant. (9-5, one office, etc)

        I’m always curious about how couples divide their income, and whether it’s different pre or post-marriage. For example, my BF and I live together but he earns about 150% as much as I do. All of our expenses are the same, so I think it would be fair for him to pay 150% of certain expenses. ALSO! He eats A TON … and he likes nice cheeses, and certain cuts of meat, etc. My favorite foods include rice and potatoes, so our grocery bill is probably like 4/5 him and 1/5 me. We generally end up splitting everything 50/50 though just because neither of us keep track … but he pays for most dates (eating out, movies, drinks) and his presents are usually more expensive than mine so I don’t mind.

        P.S. do you guys have plans for marriage after baby-bun?

        1. save. spend. splurge.

          @Tracy: I love love love that you asked the question. I hope you don’t mind, I wrote a post on it, it was so thought-provoking (I actually had to ask myself why I felt like that!)

          Ahhh I see. Hey if you split expenses the way you BOTH think is fair, I am down with that.

          While we were dating, we split everything 50/50 except that when I was at his place (we were in a long distance thing), he didn’t make me pay 50% of the food on the weekends for instance but prepared some serious gourmet meals with expensive cheese and so on, and he knew I was in serious debt from school.

          Now that is all over because we’re together *haha* but he was very kind to have done so.

          We are not getting married at all. THAT one, I do have a post coming up .. sometime.. this year.. about it 🙂 Basically, married or not, we’d still live the way we do. In fact if we got married I’d ask for a prenup.

          What I might do (debating doing) is change my last name to reflect our common-law status and to make it easier to be considered a family in name and on records.

  9. jane savers @ solving the money puzzle

    Your net worth is still over $200 000. Is there ever a point that you would consider getting what I would call a regular job to boost your income to keep your net worth from dipping below a certain point?

    As a single mom I was always very worried about being financially secure because I always worried about being able to take care of my sons. Now that they are older I am very worried about my net worth so I won’t be a burden on them when I am old.

    1. save. spend. splurge.

      @jane savers @ solving the money puzzle: Yes!

      I thought about this and I think if it went down to $150,000 then I’d seriously consider getting a 9-5 job… however I am going to work like a demon to make sure I don’t have to become an employee.

      I am lucky in the sense that I feel financially secure and not only that, my partner also is no slouch in the earnings department either. Together we will have no problem providing for the baby.

      What I do want, is to make sure I won’t be a burden on them when I am older (as you pointed out).

  10. AdinaJ

    Honestly, for all the horror stories, the birth was one of the easiest aspects of the whole process for me (including the recovery, which – ugh). I know I’m lucky in that respect but it does happen. The stressful part is not knowing ahead of time what kind of birth you will have. But it doesn’t have to be awful. With an epidural, you shouldn’t feel like you’re squeezing out a watermelon or whatever … till after.

    I can’t wait for the big announcement!!

    1. save. spend. splurge.

      This watermelon talk is turning me off watermelons 🙂

      I really hope I’ll get an epidural. I had a reader (a very kind one) write in and tell me it is not guaranteed if the cards are not right (e.g. baby is sleeping and they don’t want to cause problems).

  11. Stefanie @ The Broke and Beautiful Life

    I love when all the cash back finally adds up to a significant chunk of money. So satisfying applying it to the credit card bill.

    1. save. spend. splurge.

      Well it kind of surprised me because I looked at my balance and was waiting to pay something like $200 in bills when I saw it in the negatives (credit).. I thought: … did they make a mistake?

      Upon closer inspection it was automatically applied which made it even better.

  12. Hayley @ A Disease Called Debt

    Whenever my hubby complains about how he hurt his finger on a screwdriver at work, I feel like I have to remind him of the time I squeezed out the equivalent of a watermelon. Men will never know…. Saying that, I had an epidural which was AMAZING until they turned it right down ready for me to give birth. I have no idea why they felt that was necessary, I was doing just fine with it nicely topped up! I’m sure you’ll be a fab mum and can’t wait to read more about you becoming a parent. It’s the best job in the world!

    1. save. spend. splurge.


      “The equivalent of a watermelon”.. this scares me though.

      I am definitely.. DEFINITELY going to ask to be drugged. Thanks Hayley 😀


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