In Life

I would be lost without…

I was thinking the other day all the things that I rely on immensely to get me through my life, even my day.

I’d truly be lost (or really, just unhappier) without the following:

Electronic: iPod Touch

This is my personal digital assistant. Without it, I am hooped.

Sure, I could have put my main laptop in here (Macbook Pro 17″) because I do use it quite often, but when push comes to shove and I have to leave my laptop at home, the one device I absolutely NEVER forget to pack, is my iPod Touch.

I can live without my personal laptops if I had to, but I can’t do without my iPod Touch to keep my life organized, full of reminders and appointments as well as hints to passwords I keep changing every 6 months.

iTunes App: AwesomeNotes

See above. Without this app, the iPod Touch is useless for me.

Update: I use the ToDo app.

PLEASE be careful as a commenter noted below to buy the actual app and not the Todo CLOUD version which makes you pay a fee monthly or yearly.

Clothing: $30 Grey Thrifted Cashmere Sweater

It goes without saying that this is far more useful in the Autumn and Winter months than it is during summer (although I will admit to having pulled it out a number of times during chilly nights).

It only cost $30, and it’s a men’s cashmere sweater of all things, which means it is absolutely enormous on me (the tag actually says XXXL but I think they shrunk it which is why they had to get rid of it), but when I put it on, it’s like getting a hug from someone. It keeps me warm, doesn’t bother about shape and only focuses on sweet, warm, function.

Close runner up? This stunning Vince circle sweater, which has now become my favourite thing to wear:


Accessory: Studded silver rings


My accessories are really my jewels even if they don’t cost thousands of dollars. They aren’t precious gems, and I only own one real pearl necklace gifted to me by my godmother upon her death.

I was thinking the other day that if I had to get rid of every single item in my accessory wardrobe except for one area or category, it would be my studded silver rings that would stay.

Of course, I’d be crying a blue streak watching all my beloved “jewels” disappear but if I could just keep those studded silver rings, I’d be able to accessorize ANY outfit with them.

Food: Seafood

I am all right with fishing, bonking fish, gutting them, scaling and killing them to eat, more so than I am comfortable with trying to wrestle a cow down to the ground to slit its throat.


Seafood is the one are where I like everything in it. From eel to sea urchins to fishes of all kind and my favourite of all being prawns (or shrimp!), all seafood needs is a bit of salt and it’s delicious as is.

Drink: Starbucks Green Tea Latte

I have tried with no success whatsoever in re-creating this drink.

I bought matcha green tea powder, tried to mix it with hot soy milk I boiled over the stove, and it ended up a hot disaster. I don’t know what it is they they do at Starbucks but it comes out perfect when they froth it to make it steamy and hot, with a slight hint of sweetness underneath from the soy milk without being cloying.

It is the perfect drink to me.

Personal Finance Habit: Budgeting

The ancestor to this blog’s final name was The Budgeting Tool, so I think it goes without saying how much I truly enjoy tracking my expenses, setting (loose, VERY loose) budgets, and watching my net worth rise and fall (more rise than fall, one might hope).

Beauty: Eyeliner

Vain but true. I could give up everything in makeup but my eyeliner.

It is the one thing that makes me look awake and alive, with under eye concealer coming in close second, followed by mascara.

No fancy colours required either, just a dark, velvety brown does it, even though people tell me I should really wear deep violet eyeliner to bring out my brown eyes, I am still a sucker for brown in varying shades.

Book: Atlas Shrugged

Aside from what others might think of Ayn Rand and her philosophy itself, there was no other book (not even written by Rand) that really spoke to me the way Atlas Shrugged did.

The detail in the book, the words used by Rand, and the journey of Dagny Taggart up and down the rabbit hole really made an impact on me.

I just thoroughly enjoyed it, on a superficial and somewhat deeper level, although I don’t necessarily subscribe 100% to what the author believes as a philosophy.

Close runner-up is The Millionaire Next Door.


Share Tweet Pin It +1

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.

You may also like

What makes you want to purchase something?

Posted on September 30, 2015

Previous PostThe Cloth Diapering Guide for Beginners: Bummis Boutique Review
Next PostIn the world of Save. Spend. Splurge.


  1. Jen Reardon

    Try Dashlane for password management – I’ve been using it for about a year now and it has given me such peace of mind!

  2. Erin

    Love this. Here’s mine:
    Electronic: iPhone
    App: Habit List
    Clothing: Toms, I’d be totally lost without my Toms
    Accessory: This scarf —
    Food: Probably bacon. I’d be really sad without good quality, organic, usually local bacon.
    Drink: Kombucha
    Personal finance habit: Minimalism
    Beauty: Tarte brow mousse
    Book: Too many to list, but a favorite is Self-Help by Lorrie Moore

    1. save. spend. splurge.


      Glad to see you back <3

      I need to work on my brows though. 🙁

  3. Grace

    I love green tea latte too. The key to making the green tea latte is the milk frother. I made mine using breville milk frother and tasted just like starbucks!

    1. save. spend. splurge.

      FROTHER! I NEED A Frother.

  4. The Asian Pear

    Such a great post. Can I steal this tag? 😀

    Also, you use Awesome Notes again?

    1. save. spend. splurge.

      Yes! STEAL IT!

      As for AwesomeNotes, no. I have switched to ToDo App. This post is like 2 years old.

      1. icecapades

        @save. spend. splurge.:
        I purchased Todo app for 1.99 a few weeks ago, and just received a notification that my trial period has ended and that I had to either pay a monthly 1.99 fee or 19.99 yearly fee. My mistake, I must have not read what the app offered…I think i picked the todo cloud version not realizing that i’d have to continue paying a fee just to use the service.

        1. save. spend. splurge.

          OH NO!

          Buy the actual app!! I’m so sorry. I will make sure to make a note about that. Do not buy the cloud version.

          1. icecapades

            @save. spend. splurge.:
            Good to know that there is an actual app. I’m going to look into that. Thank you!!

          2. save. spend. splurge.

            Any time 🙂

  5. anon

    1. morning coffee
    2. cell phone (with camera)
    3. mascara
    4. my car

    1. save. spend. splurge.

      Why with the camera?


Leave a Reply

In a nutshell…

Save. Spend. Splurge.
[ wealth. style. minimalism. ]


MOST DEBT: cleared $60K in 18 months

MONEY: Hit $1M personal net worth At 36

NEW GOAL: $1M in invested assets


HATES: being late & lazy people

SOCIAL: Instagram @saverspender

DRINKS: homemade matcha lattes

SLEEPS: on a 100% cotton U.S.-made futon

WRITES: Books (also available on Amazon).

BEAUTY: swears by Paula’s Choice


…but you can read more about me , browse my index of posts, or get in touch with me, talk to me directly on Instagram, and of course, ask me anything here.

$35 The Wealth Building Tool

Like a Boss Library (Sherry’s Books)

Referral Codes

Free Money Surveys
[ Use this link ]

[ saverspender ]

Shopping Cashback
[ Use this link ]

Clothing Resale


Private Lending
[ 7b03f0 ]

No-Fee Banking
[ 32726976S1 ]

Discount Brokerage
[ o0soehds ]

Social media scheduler
[ saverspender ]

Blog Ad Network
[ Use this link ]


Save. Spend. Splurge. uses affiliate links from Shopstyle, and Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to or ShopStyle. In addition to these, any referrals on the page will result in revenue if used such as BlueHost.

In English: If you click on a link, I could get a small commission, typically a few cents. And if you use a referral code, I could get anywhere from $10 – $70 for it. Thank you for your kind support!

Also, I am not a professional investment advisor or money manager by any means.

I am just a woman who loves money, talking about money, and making money.

All opinions expressed on this blog are personal and for entertainment value. Take them with a grain of salt and always consult a professional when in doubt.