In Money

Financial friends I wish I had early on

When I look back at the start of my college years and into the early years of my career, I really wish I hadn’t been so laissez-faire.

I know that what I’ve accomplished so far is far beyond what I could have imagined when I was 18 and on my own, but it still makes me think: Damn. I could have done better, if only…..

If I was smarter, I’d be $60,000 ahead in my net worth.

$60K! That is not a small amount of money by any means.

I look at my friends who had very frugal, financially-savvy parents, and I see all the GREAT choices they made with their life.

They stayed out of debt, they were frugal and very careful with their money, they didn’t shop like crazy without thinking about what they were sacrificing by doing so.


Some even had up to 8 roommates in college living in a house, and even though they wanted to kill them at times, they stuck with it because it was saving them a lot of money.

One such friend is Fabulously Fru-Girl, and another is Revanche from A Gai Shan Life.

I went shopping with Fabulously Fru-Girl before I left, and she had waited something like 2 years before finally buying a pair of jeans she had been eying. I wouldn’t have lasted 2 minutes….!

I also have about 4 real-life friends who have their lives together and are extremely financially stable, some having started at buying their first starter home at 19 while earning minimum wage so they could start building equity, and others, about to pay off their $500,000 home before they even hit 30.

These people are true financial role models for me because they think before they spend (especially on clothes), and I am the total opposite (see picture above :P!!)

Compared to these people, I am a hot financial mess if you think about how conscientious they are.

For me, I have to FORCE myself to think about my money and coax my brain into not spending, because it is not my nature to save.


When I see a bag at $100 I think — “Oh yeah $100. That’s the price of a nice bag, at a minimum.”

They think: “$100? ARE THEY CRAZY? What is that? Like $5 in materials? I need a deal. Where are my coupons?”

They worry about spending and probably had budgets nailed down long before I knew what the word even meant. They’re even taking care of other people in their budgets by giving their parent(s) money every month, or otherwise, being awesome children.

Now, I feel like I’m on the same page as they are — budgeting is (now) therapeutic for me too, and I am being more generous with my parents, although I am careful not to spoil them with unnecessary purchases because they are like children sometimes (they want everything fun and don’t want to eat their financial veggies).

I’ve also started getting better by finding ways to stop myself from shopping, with space being a problem, but also that I want to buy quality over quantity now, as well as choosing consignment shopping (secondhand doesn’t scare me for clothes or jewellery).

This post had no real point, except to say that I am happy to have financial heroines in my life to look up to, and I hope everyone has the same kinds of people in their life to guide them — they’re more valuable than gold.

So.. thank you! 🙂

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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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Posted on April 9, 2018

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  1. B. (Below Her Means)

    For what it’s worth, you’re one of mine! But love Fru-girl and Revanche as well.

    1. Mochi & Macarons

      That means a lot, thank you!!!!! 🙂

  2. fabulously frugirl

    You are too kind and I am so flattered to be included in this post!  YOU, are a huge inspiration for me to get even more serious about managing my finances and starting a blog about it. Having the networth you have now and the financial stability that you’ve worked so hard to build is no small feat, and you should be really proud of how far you’ve come (not to even mention all the other people you’ve inspired along the way, like me! and your FB fans!).

    As I mentioned in my e-mail, I should clarify that instead of biting the bullet for the nice pair of skinny jeans I liked, I made do with a much less flattering pair of $20 skinny jeans which made my butt look saggy for about 2 years.  So, in the end I ended up spending $20 more out of pocket and walked about with a sagging butt for 2 years  Sometimes, it’s worth it to get something nicer and be done with it, wearing it for years to come, instead of cheaping out. 🙂

    1. Mochi & Macarons

      Potato patata 😉 you as an early childhood friend could have saved me SO MUCH MONEY by not spending it in the first place.
      You’re welcome 🙂 Inspired all around!!!

  3. Pauline

    I was that girl back in college, at the time I had a scholarship of $400 per month and rent was about $150. My other friends would charge their credit cards to go out, and when I’d go and order just one drink, they would call me cheap… But I don’t regret how far ahead of them I am now!

    1. Mochi & Macarons

      I wish you were my friend back then!

      Did you ever say anything to them?

      1. Pauline

        Actually I did! And I still do now when they wonder how I travel so much and work so little, because they are so busy paying huge mortgages and big cars they don’t see I don’t have.. And they just shrug and say “I couldn’t do it, I wish I could though..”. They still call me cheap once in a while too! But most of my close friends are similar minded now that I look around.

        1. Mochi & Macarons

          I think as we get older we wise up. I did, anyway and my current friends (especially BF) are similarly minded as well.
          I don’t have super crazy shopaholic friends….

          It can be hard but people either want to change or they don’t.



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Save. Spend. Splurge.
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MOST DEBT: cleared $60K in 18 months

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