In Life

In the world of Mochi and Macarons

First, a little beauty…


Check out these beautiful Exploded Flowers exhibition Qi Wei. Here is my favourite one but there are many more on her page!



Proud? 🙂 Or disappointed? I haven’t purchased any clothes, or things. The most frivolous I got, was a set of 5 chopsticks for $3 (made in Japan, not China) from Pearl River Mart.

Otherwise, I repurchased a staple toiletry: Korres White Tea Fluid Gel Cleanser for $21 (on my 4th bottle now!). I’m also pleased that they finally fixed the bottle. The last design exploded all over my fingers when I tried to squeeze out the cleanser, and I was not a happy camper.
Other things I bought:

  • Stamps (yawn)
  • Medication for my eczema (yawn!)
  • Eyedrops
  • Mixing bowls (set of 3)

And for frivolous food, macarons (YUMMMMMO!!!!)!! The Laduree NYC ($2.70 each) ones were MUCH tastier than in Paris, but not as good as the Bar Boulud macarons ($2.50 each). Laduree NYC 864 Madison Avenue  New York, NY 10021 (646) 558-3157 Bar Boulud 1900 Broadway  New York, NY 10023 (212) 595-0303


Love me some TD Bank. I’m having a newfound respect for them. They approved me for a credit card. No prepaid strings attached and I am thrilled beyond belief. FINALLY. A U.S. CREDIT CARD!!!!!!!!!

What’s been happening on your end?


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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. Leigh

    Woot at getting a credit card! Did you get an acceptable limit? I’ve tried to keep my card utilization ratios to about 10-20% while I’m building credit. I won’t be nearly as anal about that once I get a mortgage.

    1. Mochi & Macarons

      Yes! $10k which is more than enough. Every time I use it, I pay the exact amount in full.

      1. Leigh

        I’m jealous! My highest limit is $1,000. After I get the mortgage, I’m going to try to fix that… It’s so annoying to book flights and such.

        1. Mochi & Macarons

          My max on my debit is $1000 but it sucks when I have to book everything 4 weeks in advance!!

          1. Leigh

            Business trips are the reason why I originally started with such a large cash buffer 🙂 I had to front about $5,000 for a month-long trip a few months after I started working and didn’t get any of it back until a couple weeks after I got back.

            I haven’t needed my cash buffer for that in ages though, but I still like having a nice buffer.

          2. Mochi & Macarons

            My buffer is more $10k these days because of how far I have to book in advance to get the best deals. Nevertheless, a buffer of at least $2k is what I need for my spending each month.

  2. jeweliette23

    Oooh I didn’t know Bar Boulud had macarons.  I’ve had the Laduree macarons in Geneva but not here in the US yet.  

    1. Mochi & Macarons

      The Bar Boulud has 4 flavors — Raspberry, Vanilla, Pistachio and Orange Blossom.
      I had the Pistachio and Orange Blossom — very yummy!!!

  3. Sense

    Yay for credit history! Good to hear you are doing well in the US. 🙂

    1. Mochi & Macarons

      Well now I can start building it. They used my Canadian credit history to give me the card!


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